davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-09
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. (GA)

I investigated my credit report with all three credit agencies and reported the inaccuracies to them, but after the investigation was completed, it did not change the outcome. The inaccuracies are still on all three credit reports. 
After I did very thorough research myself, the information was not corrected after making several attempts to get the information corrected. All three credit agencies are reporting inaccuracies in my credit reports : The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq 602 A. The following accounts are completely inaccurate. 
XXXXXXXX XXXX XXXX  Account Number XXXX : {$1200.00} XX/XX/XXXX & XXXX XXXX Never late. Two reporting agencies show I was never late. 
XXXX XXXX XXXX  Account Number XXXX : {$6000.00} XX/XX/XXXX & XX/XX/XXXX Never late. Two reporting agencies show I was never late. 
XXXX  XXXX XXXX Account Number XXXX : {$5000.00} XX/XX/XXXX thru XX/XX/XXXX Never late. Two reporting agencies show I was never late. 
XXXX, Account Number XXXX : {$200.00} Never late. Two reporting agencies show I was never late. The company issued me a deletion letter and I forwarded it to all three credit agencies, but it was still not removed from my credit report. 
XXXX XXXX  Account Number XXXX : {$16000.00} XX/XX/XXXX through XX/XX/XXXX paid in full. Never late. Two reporting agencies show I was never late. Collect letter removed it from one credit agency, but not the other two credit reporting agencies. 
XXXX Account number XXXX : {$3500.00} XX/XX/XXXX through XXXX XXXX account is closed and still reporting that I have an open account with them. 
XXXX Account number XXXX : {$3600.00} XX/XX/XXXX Never late. Two reporting agencies show I was never late. Collect letter removed it from one credit agency, but not the other two credit reporting agencies. 

I have a right to privacy, and my rights have been violated., U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 
Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency unless the person has certified to the CRA the permissible purpose for which the report is being obtained, and certifies that the report will not be used for any other purpose.
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Re-aging of a 20 year old account. I have included evidence of how this company re-aged this account making the account appear as newly neglected debt. I have been denied credit so many times and I have kept every denial letter because i will need it for damages. 

I want to bring it to your attention just what these reporting agencies are fraudulent doing to deceive unsuspecting innocent consumers. 

While in good faith working on my credit, something I was never taught before, But always told to get your credit report to check for any errors and dispute anything thats not accurately reporting. I did that. Of course I see things I know shouldnt be there and I attempt to dispute online. I learned quickly that was a waste of time. I then decided to dispute by mail and requesting the information be validated and verified with the original agreement, account or document with my signature to match what they are inaccurately reporting. Absolutely noone honored my request. However most of the accounts are still inaccurately being reported. Every time I dispute an issue XXXX, XXXX and trans union comes with results saying it's been verified or its been updated. During my re investigation from the monitoring site only a few things changed. So it appeared. it appeared an account or two were claimed to be removed. And a few accounts what they did was changed and altered a name or date or something small they dont expect to be noticed. However I would print as I go because I know not so honest people will change and continue to alter things and if not paying attention, it would be missed. I noticed most or all and I took notice that whats being reported on requested credit reports is only fixed so the consumer sees what they want you too see. While i applied for new credit, i couldnt understand why the reason I was denied was, too many accounts with balances, collections, charge offs and derogatory. I was really confused. Because none of my reports showed me this. What I did was I subscribed to many other monitoring programs and I noticed HIDDEN ACCOUNTS! that I couldnt see on the report supplied to me. I dont see how XXXX, XXXX and Transunion can do this to consumers! I will attach evidence during my next few cases that I have to open because these agencies arent resolving the issue and are violating the FCRA and my rights to fair reporting. If i have to seek legal action for this fraudulent activities I am ready with all my evidence.
Consumer complaint received 2019-03-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (OR)

I tried to get some financial assistance which the company offers during times of hardship. I ask at the outset of the process for the underwriting guidelines so I knew what to expect and how to fill out the application properly. They wouldn't provide the guidelines, nor would they tell me anything about them. I had to resubmit the P & L 6 separate times with 6 separate reps from the company telling me 6 separate things. In the end they denied it because of an obscure underwriting rule that they never told me about even though I had repeatedly asked them to do so. 

My sense is that they offer these assistance programs with no intention of making good on the program. The guidelines were obscure and the representatives were vague and didn't know their own program.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$8300.00} ; XXXX XXXX XXXX XXXX : {$94000.00} XXXX XXXX XXXX XXXX XXXX : {$46000.00} ; XXXX XXXX XXXX XXXX : {$94000.00} ; XXXX XX/XX/2023 ; XXXX XX/XX/2023.
Consumer complaint received 2022-09-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (NY)

XXXX payments! I got scammed on from these imposters saying there working for XXXX XXXX! 
I was trying to start a new job as a XXXX XXXX for the company XXXX XXXX and I had gone through the training with these fake poeple and they said once I finish I would have to send them money for materials for the remote desk! And then they would reimburse me! I did the transactions online, This never happened and I never got my money back! They scammed me! We would have communication on XXXX! I sent XXXX  bucks then XXXX and another XXXX on XXXX.
Consumer complaint received 2019-03-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (LA)

I have been paying my loans back faithfully for 4 years. Just the other day, XX/XX/28, I learned that the amount due is now MORE than the original amount borrowed! What the heck is this? I am aware that Navient, my current loan holder, has a lawsuit pending against it. I just learned this but I see why. This is outrageous. What kind of fine print " disclosure '' did they slide by me? Please do something about this. It is so wrong.
Consumer complaint received 2024-02-27
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: EQUIFAX, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-03-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (FL)

I disputed this debt via another debt collector last year that had this debt and it was deleted off my report due to not having proper documentation to collect the debt. Also once this debt was removed it can not be placed back on my credit for collection and if it does it gives me the right to sue any party that violate my rights.
Consumer complaint received 2018-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

I applied for Loan Forgiveness through XXXX. It seemed to be the only website/provider who is able to process Federal Loan Forgiveness for Public Service providers. It was set up through StudentLoans.gov, so I thought it was a legitimate provider. 

I began to process my application sometime in XX/XX/XXXX, to have it start in XX/XX/XXXX. I just finished it. Everything took months with them. In the mean time, I kept on making ( what now I found out ) as endless payments towards my loans. When I had my loans with XXXX ( good servicer ) I was making {$600.00} for the last 3-5 years. I brough the balance down, despite having XXXX kids to support. I now owe {$50000.00}, graduated XXXX in XX/XX/XXXX, and have been making payments for the last 9 years. I worked for XX/XX/XXXX all my life. I am looking to buy a house, so really hoped this process would clear up some cash by the end of XX/XX/XXXX. 

On XX/XX/XXXX, I was finally told that my payments of 9 years are not valid as I did not have loans with XXXX  since I began to make payments. I needed to sign up for some special payment plan to be eligible for loan forgiveness in XX/XX/XXXX. I was never told about this by anyone. And believe me I do paperwork for a living, so I looked all over for this info. This seems to be yet another trap by the big corporations to keep me paying endlessly for loans. 

Just a final note, I made about {$80000.00} last year, married, with XXXX kids. When I did their Income Contingent payment plan I was told I needed to pay over {$900.00} a month ( myself ). When I called XX/XX/XXXX, to see if it can be changed, I was told I could do another, meaningless plan, and pay {$420.00} a month, less than what I paid for the less 9 years. 

I hope you can take my extremely negative experience and find a way to make consumers be able to stop paying endless college loans and invest into the economy. This program seems to be another scam to keep me paying into endless existence. I plan to change my loans to my previous provider and keep my {$600.00} payment as I did before. I will end up paying off my loan within 10 years without this company making money off of me. What a sham!!!
Consumer complaint received 2019-02-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA (TX)

After 3 complaints about not receiving a correct payment history almost 3 months after requesting it at the end of a loan, I saw that KiaMotorFinance attached it to their response on the CFPB complaint. It is correct. I am attaching documents ( emails ) from Kia. I do not know if I have paid the correct amount or not. This morning I paid XXXX, more than the indicated amount on the payment history you published as their response. It was in an email sent on XX/XX/XXXX and due XX/XX/XXXX ( see attached ). They say I owe more ( see attached ). I have received no documents stating why I owe more than the XXXX on the payment history, but I paid what the bill said when I verified the payment history I saw published was correct. I asked for this in XX/XX/XXXX when I finally paid the unusual double bill I had been receiving and it said no other ( regular ) payment was necessary. Please examine all three attached documents to see why I am confused. None of the amounts match. I want this over. I want my title, and I want all dealerships to remove me from their mailing lists. Multiple dealerships are sending me emails to get me to come in and buy a new Kia After this horrible experiece, I will never buy a XXXX   car again, and I love my XXXX XXXX.
Consumer complaint received 2020-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (ND)

I sent a check to XXXX XXXX XXXX XXXX to pay off my XXXX balance. The check arrived 3 days late. It was due XX/XX/2020 and arrived XX/XX/2020. I have been with this company for several years, and this is the first time that I have ever been late with my payment. I was charged {$29.00} for a late fee and {$11.00} interest. My complaint is not about the {$29.00} late fee. My check was late. My complaint is being charged {$11.00} for interest on a balance of around {$700.00} for just three days. This, in my opinion, is usury. I called the company and did not receive an adequate explanation for the extremely high interest rate. In addition to never before sending in a late check, I have always paid off the full balance each month.
Consumer complaint received 2018-06-07
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. (MO)

I noticed a negative mark on my credit report and disputed the alleged debt with the collection agency listed. I sent this request for validation certified return receipt mail. The collection agency did not respond to my request for validation, yet continues to report this information that has not been validated knowingly in violation of consumer rights under the FDCPA and FCRA. I also disputed this information with the three major credit bureaus : XXXX, XXXX, and TransUnion, who responded that the information was verified. I contacted the original creditor listed on the account and requested an investigation pursuant to Section 623 of the Fair Credit Reporting Act. No documentation of records was provided as requested and they could not validate the account. No thorough investigation was conducted by the original creditor or the credit bureaus as requested. The collection agency did not respond to request for validation. However, all parties involved continue to report invalidated information knowingly in violation of my consumer rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
Consumer complaint received 2018-01-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

XXXX XXXX has taken old debt that was discharged in bankruptcy and added onto my credit. I spoke to different representatives and they stated the this account was purchased in 2016. However, any accounts with HSBC were filed under bankruptcy. Also, XXXX XXXX purchased accounts from HSBC and while account was on my Account Name Original Creditor Open Date Balance Debt Contact Information XXXX  XXXX XXXX XXXX HSBC BANK NEVADA XXXX. 
XX/XX/2016 {$550.00} {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX credit as XXXX XXXX, XXXX   XXXX as reinstated the debt to read HSBC.
Consumer complaint received 2017-11-19
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: LEXISNEXIS (IL)

On XXXX/XXXX/XXXX I initiated a public record investigation with LexisNexis. I received a response dated XXXX/XXXX/XXXX stating that LexisNexis removed the item in question from their report but as of this day LexisNexis is still reporting this item to the credit reporting agencies that they report to XXXX # : XXXX
Consumer complaint received 2021-07-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP (IA)

Over the weekend of XX/XX/XXXX, I was subject to a dating scam on XXXX. I was in contact with a profile that was run by someone who subsequently claimed to be XXXX, sent XXXX pictures of the person who the account was supposedly of, and solicited me for XXXX pictures of myself. Two days later, I was contacted by someone first claiming to be a private investigator hired by the family of the person I was supposedly in contact with over XXXX and then by the supposed father. I was then shaken down by the father for {$1600.00} in order to send the girl I was in contact with to some sort of a XXXX program as an alternative to the mother going to the police and pressing charges ( I paid {$1700.00} thinking that that would demonstrate good faith ). The money was to either be sent through XXXX to a XXXX or through XXXX to the person who was supposed to be the pastor of the family, XXXX XXXX. The money would not go through XXXX so I ended up sending it through XXXX, which is tied to my US Bank account. I subsequently determined that this was a scam and refused to provide any more money when I was subsequently solicited for additional money the day after I sent the {$1700.00}. 

The day after I sent the {$1700.00}, I filed reports with the local police, the FBI, and US Bank, where I have had an account for several years. Yesterday, I received a letter from them denying my claim on the grounds that as the transaction was posted as requested, there was nothing they could or would do. Upon calling their help line, I was told that my only option would be to pursue this through small claims court. This was because US Bank claimed that so long as I had been the one to make the transfer, despite it being made due to fraud, they had no further responsibility in the matter and would not take action to return money that had been reported stole through fraud.
Consumer complaint received 2022-09-09
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. (OH)

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX  account # XXXX, XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX, XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXXXXXX  ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/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 an account without my written instructions.
Consumer complaint received 2022-09-09
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. (OH)

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX  account # XXXX, XXXX XXXX  account XXXX XXXX XXXX XXXX  XXXX  account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX, XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/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 an account without my written instructions.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

to whom it may concern, i am writing you about my XXXX XXXX i have had since XX/XX/XXXX. Over the past 6 years I have always paid on time and build a solid reputation with XXXX A while back i got with a late free XX/XX/XXXX. I had got XXXX to agree to remove to all credit reporting agencies so that payment history should be 100 %. I will send you a picture of XXXX which was only fixed and you will see there is no late fee but for whatever odd reason transunion has still updated. I have called a few times with mixed answers. Under fair credit reporting act this should have been taken off years ago.