davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-30
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. (NY)

My XXXX report is 161 pages. My XXXX  report is 93 pages and my Experian report is 63 pages. My reports are not accurate. I have multiple names and alias listed. I have dozens of addresses in states Ive never lived in. There are jobs and employers Ive never had. There is a bankruptcy showing. On one report its listed as a XXXX and on another report its listed as a XXXX, XXXX, or XXXX. There are auto loans shown as charged off or included in a bankruptcy that is not true. Both vehicles were repossessed and resold. I have no idea where they are getting this inaccurate information and they refuse to investigate. I have actual video footage of one of my vehicles being repossessed. There are many closed accounts from over 7 years still on my account to include several student loans I paid off now showing as transferred to another lender. I have tried to dispute this online and in writing to no avail. They refuse to investigate and delete these items. Another issue are late payments on a leased vehicle. The payment amounts are incorrect. I paid {$6000.00} in advance and the car company XXXX did not apply it to my account and reported non payment to the credit bureaus. I sent bank statements to all 3 showing the payments. I tried disputing it online. How is this legal? These credit agencies are ruining me. I am now unable to refinance my mortgage because my score is too low due to inaccurate information and hard inquiries I did not give written permission to make on my behalf. I am requesting that my credit report be investigated and updated.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

My equifax report is 161 pages. My XXXX report is 93 pages and my XXXX report is 63 pages. My reports are not accurate. I have multiple names and alias listed. I have dozens of addresses in states Ive never lived in. There are jobs and employers Ive never had. There is a bankruptcy showing. On one report its listed as a XXXX  and on another report its listed as a XXXX XXXX or XXXX. There are auto loans shown as charged off or included in a bankruptcy that is not true. Both vehicles were repossessed and resold. I have no idea where they are getting this inaccurate information and they refuse to investigate. I have actual video footage of one of my vehicles being repossessed. There are many closed accounts from over 7 years still on my account to include several student loans I paid off now showing as transferred to another lender. I have tried to dispute this online and in writing to no avail. They refuse to investigate and delete these items. Another issue are late payments on a leased vehicle. The payment amounts are incorrect. I paid {$6000.00} in advance and the car company XXXX did not apply it to my account and reported non payment to the credit bureaus. I sent bank statements to all 3 showing the payments. I tried disputing it online. How is this legal? These credit agencies are ruining me. I am now unable to refinance my mortgage because my score is too low due to inaccurate information and hard inquiries I did not give written permission to make on my behalf. I am requesting that my credit report be investigated and updated.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

EXPERIAN has FAILED to update my credit report from XX/XX/XXXX until current as was explicitly advised by XXXX XXXX on XX/XX/XXXX. Experian has faulty systems and unknowledgeable and unhelpful agents.
Consumer complaint received 2022-08-30
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. (GA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX BANK XXXX, XXXX XXXX XXXX, XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX have 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 an account without my written instructions.
Consumer complaint received 2022-08-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: JPMORGAN CHASE & CO. (TX)

I was buying XXXX XXXX XXXX tickets the guy said he has a XXXX account I sent him XXXX transactions {$250.00} each total of {$500.00}. First XXXX was XX/XX/22 at XXXX for {$250.00} the other was XX/XX/22 at XXXX he never sent me the tickets. I called my bank and filed a report but they said the money left the account and they couldnt get it back.
Consumer complaint received 2022-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

hello, i am just learning how to review my credit report AND upon checking it i see XXXX unauthorized accounts that I need deleted immediately. i lost my wallet a while back and now i check my credit report and i see this. 

the accounts are as stated below. 

XXXX ACCOUNT # XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC (NY)

I went into XXXX XXXX to discuss getting a procedure, they told me I could get financing and that Greensky would finance it at a low rate. After I started paying off loan, two years later I still am making payments. The interest rate was ridiculous, I am paying double the loan amount. That was not explained to me in the paperwork.
Consumer complaint received 2022-08-29
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit Reporting Act Capital One in XXXX, XXXX, XXXX, and XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, Capital One second account XXXX, XXXX, and XX/XX/XXXX, XXXX XXXX, and XX/XX/XXXX, XXXX XXXX bank in XXXX, and XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions. 

15 USC 1666b : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any reason purpose.
Consumer complaint received 2022-08-29
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. (CA)

In XX/XX/XXXX I was made aware of a recent account by XXXX XXXX XXXX. I have never applied etc for this company. My credit has been frozen since XXXX. XXXX never did a credit inquiry ( nothing shows on credit report of them doing that. If they had they would have seen the frozen credit report. ). This is NOT my account. I have told XXXX and EXPERIAN this and they are not removing it from my credit report. I can not contact XXXX because XXXX ) I have to leave a voicemail and No one ever responds and XXXX ) if I send an email I have to include my social security number. I believe XXXX to be a fraudulent scam company who allows other people to use our great credit and we get stuck because they are not diligent in checking credit reports. I am not the only one this has happened to. If anything could be done to change XXXX business practices or get them out of business, it would save a headache for everyone. I want this false information off all three credit reporting agencies. Not only do I have frozen reports but now I have layered it with fraud alert. But that doesnt help when they dont check! Thank you for your assistance in resolving this matter and restoring my credit report to accurately reflect my accounts.
Consumer complaint received 2022-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

SOMEONE REQUESTED CREDIT UNDER MY NAME AND INFORMATION. THEY OPENED SEVERAL ACCOUNTS AND IVE BEEN TRYING TO FIX THIS ISSUE FOR A WHILE. I REACHED OUT TO XXXX, TRANSUNION AND XXXX TO DISPUTE THE INQUIRES, ACCOUNTS AND THE INCORRECT INFORMATION ON MY CREDIT REPORT. ALL I HAVE RECIEVED FROM THE CREDIT BUREAUS IS STALL LETTERS. 

I HAVE FILED A POLICE REPORT AND FTC REPORT BUT THE CREDIT BUREAUS HAVE FAILED ME.INEED THIS TO BE FIXED, THE XXXX ACCOUNTS LISTED ON MY FTC REPORT FROM XXXX XXXX XXXX AND THE OLDER ACCOUNT FROM XXXX XXXX  THAT SOMEONE OPENED ACOUNT EDING IN XXXX. ALSO THERE ARE SEVERAL INQUIRES THAT ARE NOT MINE AS I STATED IN MY FTC REPORT.
Consumer complaint received 2022-02-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

the company by the name of Bank of America violated 15 USC 1681b-Permissible purposes of consumer reports law and also 15 USC 1681 ( 2 ) ( a ) ( i ) law. I have never given this company written instructions to report anything on my consumer report.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX  Bankruptcy Case Number : XXXX Please remove this bankruptcy from my public record
Consumer complaint received 2017-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NJ)

I opened the American Express XXXX credit card in XX/2017. According to the time limited offer, the American Express should provide XXXX XXXX points after I spend XXXX in first 3 months and additional XXXX XXXX points after I spend extra XXXX points in first 6 months. After I spend 6000+ dollars in first 6 months, they only provided XXXX XXXX points and said that I only get the XXXX offer. Since they advertised the XXXX offer on their web page, email as well as the credit card application page, and they did n't have any special requirements for this offer, they should provide everyone who applied for the credit card before the deadline. They should never say that people got different offers. If they did n't mention that people may not get the XXXX offer in their application process, they made the fraud advertisement. I urge the American Express to provide XXXX XXXX  points to everyone who applied for that credit card before the deadline.
Consumer complaint received 2021-08-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MA)

Hello, I entered into an agreement with Midland Credit to repay I debt. The agreement was to settle the account for a percentage of the total balance. I paid the agreed upon balance in full. I even setup for automatic payments so they could take money from my account monthly. 

After the agreed upon amount was paid in full the company then requested that I pay balance of the original sum. When I called and told them a mistake was made because I paid the agreed upon balance in full they stated that I defaulted the agreement by missing a payment so that it terminated agreement and now the entire balance was due. Few things wrong here.

1. They stated I defaulted which terminated the agreement but they continued to take schedule payments from my account monthly as if the agreement was still in place.

2. They do not provide a definition of default when I asked them to define it they stated that missing 1 payment was defaulting. This was not made know when making the agreement.

3. I setup for automatic payments to be taken directly from my account. I always have money in my account and for some strange reason there isn't money in my account, I have over draft so my bank would still make payment. My bank statement does not show any attempt by this company to take the scheduled payment.

4. This company have made threats via US mail to take legal action if I do not pay the debt. And have made false reports to debt credit companies.

5.
Consumer complaint received 2016-12-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NC)

Have on the credit report that this is a joint account. I am divorce, it on file in XXXX XXXX in NC. The bank is Santander Bank N.A. XXXX XXXX XXXX, XXXX, MA,XXXX Tele- XXXX.
Consumer complaint received 2024-02-13
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 recently received a copy of my credit report and found that you are illegally reporting inaccurate information about me, The following alleged account is listed as a collection with PAST DUE balance of XXXX under account name of XXXX XXXX XXXX this is a violation the FCRA and metro 2 compliance reporting standards.
Consumer complaint received 2022-08-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (WA)

I received a call from Wells Fargos customer service line from someone impersonating a teller. I was told that someone was attempting to access my account and transfer {$8000.00}, which I didnt have. The teller told me that because the transfer was through an app called XXXX they couldnt stop it but they could help me save my money. All I needed to do was transfer the money, using XXXX, to Wells Fargo for holding. I was told that sending the entirety of my account would make it impossible for the person attempting to clean out my account to get any money and Wells Fargo would return my balance to my account in XXXX hours except it wasnt a Wells Fargo teller it was a scammer who duplicated Wells Fargos customer service number to gain my trust and completely empties my bank account. I lost all my saving that day. I immediately called Wells Fargo and reported this, they gave me a conditional credit for all the money I lost while they investigated. I just found out today that the credit I was given is being revoked as Wells Fargo determined that it was my fault I was scammed and is not at fault for someone impersonating their likeness and using a third party app to steal all my money.
Consumer complaint received 2017-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I made several payments on my student loans ( I have five loans- all of which I pay monthly ) which are not being reflected on Navient 's account summary. A few of the payments are showing directed to XXXX DL Consolidated and XXXX DL Consolidated when in fact the payment should be showing on the XXXX and XXXX  Consolidation loans. I have called Navient and asked about this issue but no one seems to know what is going on or why the system is showing the payments allocated to different loans other than what I directed. Navient also confirmed that they show I made the payments and allocated to the correct loans however they were not being reflected as such. 

Even more troubling has been a payment that I made on XXXX ( withdrawn from my checking account on XXXX ). I made a {$330.00} payment ( as confirmed through my bank statement ) but Navient is only showing a {$170.00} credit applied on XXXX ( also shown on their system )! Where is the rest of my payment and why was it not applied correctly or on the correct date? From my understanding, Navient charges daily interest so it is interesting that my payment is processed 7 days after it is withdrawn from my account, thus accruing 7 days more interest. On top of that the amount is much less than I paid. 

This is my second CFPB complaint against Navient as I have had trouble with my account since the beginning. Please assist me in correcting their systematic errors ( which always seem to be in their favor ) and mistreatment of customers.
Consumer complaint received 2022-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TN)

we have had several issues with PHH Mortgage not processing our monthly payments and then not notifying us of the payment reversal till weeks or a month later. By this time we are charged a late fee and our credit score is affected and reported against. 

We have had the issue happen both when we pay over the phone and recently on XX/XX/XXXX and XX/XX/XXXX when we paid on their online portal. 

I XXXX was told that the phone payment was returned due to our bank account number being wrong ( it was missing a " XXXX '' ) i spoke XXXX the PHH rep and he told me the routing and account # 's and they where correct XXXX for XXXX " XXXX '' was missing in the XXXX XXXX digits. He corrected the issue. I thought since it was corrected we where good. 

We then paid online XX/XX/XXXX & XXXX to cover XXXX and XXXX 's monthly amounts we owed. We have had issues since XXXX XXXX our clients not paying us on time so we got behind several times. The payments where then returned on XXXX & XXXX with no notice from XXXX till around XX/XX/XXXX. 

I called PHH again on XX/XX/XXXX to make the now XXXX days late XXXX payment and address the returned online payment. They told me the bank and routing number and of course it was missing the same " XXXX ''. I told them this was fixed a month to XXXX ago what's the deal? They said that the online account # would only be entered by me and they couldn't have messed it up. My thoughts : Why did both their XXXX payment methods have the same issue and they could fix the phone XXXX but not online??? 

My XXXX called PHH on XX/XX/XXXX to once again try to address the issue the PHH rep tells my XXXX again they couldnt have caused it and the best way to fix it is delete the current payment info and enter the correct amount so my wife does this. My XXXX  did this w/o looking to see if the account # was missing the " XXXX '' so the issue should be addressed now but we have XXXX XXXX days late notice on our credit report for XX/XX/XXXX which we paid in time but then where reported late due to PHH constant inability to process a payment, notify us about it in a timeframe before its reported as late and past their XXXX days grace period. This happened before with a phone payment but im not sure the timing to know if its the cause of the XXXX or XX/XX/XXXX late reports we have on our credit score but I would expect XXXX of them is as they have caused the XXXX one now on our XXXX round with them.
Consumer complaint received 2016-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (LA)

I XXXX XXXX have things on my credit report that should not be on there. Certain things have reach there statue of limitations, and other things, where my social security number has been use as fraud. I would like this things taking off my credit card. I never had a mortgage, never bought a home yet.
Consumer complaint received 2022-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX Balance : {$26.00}
Consumer complaint received 2022-08-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (AZ)

I was contacted by my mortgage company ( Quicken Loans ) that my house insurance had expired. Quicken loans serves as the escrow account to pay my insurance which is calculated into my monthly payments. Due to refinance the account number was not updated by quicken loans and it defaulted on my insurance payment, by sending a check to them that was for the wrong mortgage. There was no communication from quicken loans for any issues that I could have corrected if I had known. Now my mortgage payment increased by {$130.00} dollars because they failed in their escrow duties. I should not be held accountable to a XXXX dollar company for a mistake that they caused. I would like to be compensated for this mistake in the form of my previous mortgage payment restored going forward ( allowing for adjustments in state taxes ).