davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
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. (NY)

XXXX XXXX experian volation Privacy Act of 1974 ( 5 U.S. Code 552a ) / Fair Credit Reporting Act I recommend reading the ENTIRE act as it will only help your understanding but I am going to highlight a few examples.

15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for15 U.S. Code 1681a 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection 15 U.S. Code 1681c 12 CFR 1022.3 Definitions15 U.S. Code 1681c 15 U.S. Code 1681e - Compliance procedures
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

Morning of Thursday, XX/XX/2024 I entered web domain XXXX entered family surname credentials access number, and entered the web portal containing profile information for checking account to notice a name error attached to family surname that is incorrect.I am writing to correct name error attached to family name on checking account. The initials displayed are incorrect! The intials displayed are XXXX. where as my family gave me intials XXXX for banking credit purposes, such as acquiring a fire-arm and the full name is hidden which would be a denial of a fire-arm. I own a XXXX XXXX XXXX XXXX XXXX XXXX that is attached to propper initials as a XXXX XXXX XXXXXXXX This complaint is for a more clear solution to an issue addressed without a response as of this morning.
Consumer complaint received 2020-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (FL)

CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.

1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.
Consumer complaint received 2016-05-25
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (MO)

I continue to dispute the XXXX modification, field adjustments and another XXXX they think I owe. 
In XXXX I owed {$210000.00} + {$43000.00} + {$20000.00} = {$280000.00} balance due {$150000.00} to fleet. {$55000.00} to XXXX. {$360000.00} to XXXX = {$620000.00}. 
{$140000.00} to XXXX. {$50000.00} to XXXX. 
= {$180000.00} = {$130000.00} to XXXX XXXX + {$61000.00} forclosure sale and their Attorneys value of {$78000.00} = {$130000.00} Total paid since XXXX = {>= $1,000,000} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they want MORE!? 

{$110000.00} taxes and insurance + {$44000.00} paid to credit cards - {$160000.00} + {$270000.00} balance = {$100000.00} more. 

{>= $1,000,000}. INTEREST in 17 years. 
At {$70000.00} per year this is over 25 % interest -if I pay off a {$270000.00} balance today ( I have n't even paid off the {$20000.00} from XXXX that I never refinanced ). 

XXXX XXXX XXXX released XXXX mortgages in XXXX XXXX released twice and XXXX released another loan for the second time. All of which were supposedly paid of off from the current mortgage they refuse to release. 
XXXX offered me a refinance in XXXX I did not accept or sign. I will attach
Consumer complaint received 2017-01-17
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (IN)

I received a bill XX/XX/2017 from Citi Bank ATT Universal Card. I noted a late fee of {$24.00} on my statement. I never pay a bill late, and this is reflected on my credit reports. I asked what the charges of {$23.00} were for, and the charges from XXXX XXXX and XXXX XXXX XXXX are correct. I paid {$23.00} online through my XXXX account. I always pay online the day I get a bill. I called customer service, and the agent could not help. I asked to speak to a supervisor. I spoke to XXXX XXXX in XXXX at approximately XXXX XX/XX/XXXX in attempt to correct the error. I did not get the bill for {$23.00}, and Citi Bank has tarnished my credit report while collecting {$24.00}, which I paid today after a resolution could not be reached. I paid it because of my credit score - not because I owe it. My credit card number is XXXX XXXX XXXX XXXX. I have also written a letter to Citi at XXXX. XXXX XXXX in XXXX XXXX, XXXX XXXX. I suspect fraud and want to report it and want a refund in the amount of {$24.00} for the so-called " late fee. '' I have no incidents like this with any company, and my credit report goes back decades. Please help, as I 've lost {$24.00} that I do n't owe but paid due to my credit report. My phone number is XXXX, and my email is : XXXXXXXXXXXX I can send you a credit report if you like but will need to unlock my security freeze. Thank you. XXXX XXXX
Consumer complaint received 2020-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (OH)

With my Kroger Rewards Master card issued by US Bank, I make sure that I have auto payment mode turned on. I made a payment on this card earlier than the scheduled payment. Now, still they are deducting my payment for this month even though I turned the auto payment option off. This us the second time this particular incident happened. The payment will go through and deducted from my checking account and that messes up our budget. We are only on Social Security for our fixed income and something like this greatly affects us. Now we have to borrow to cover up for this Card 's gross mistake. It takes them somewhere from 7 to 10 business to refund me. I have other credit cards and when I pay my required payment even before the due date, it's considered as having made and satisfied my monthly obligation. I'll have to call them up again and probably wait for up to 10 days to get my refund. Please help.
Consumer complaint received 2024-01-11
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. (CA)

In accordance to the Fair Credit Reporting XXXX XXXX Account # XXXX balance {$640.00}, XXXX XXXX # XXXX Balance {$170.00}, XXXX XXXX XXXX Balance {$7600.00}, XXXX XXXX XXXXXXXX XXXX XXXX # Balance {$4000.00} XXXX XXXX # XXXXBalance {$3500.00} XXXXXXXX XXXX XXXX XXXX Balance {$11000.00} has violated my rights. 
XXXX - XXXXXXXX XXXX XXXX XXXX Balance {$5500.00} XXXX XXXX XXXX Balance {$8200.00} 15 U.S.C. 1681 section 602 A states I have a right to privacy.15 U.S.C. 1681 section 604 Section 2 also states a consumer reporting agency can not furnish a account without my instructions. 

I told Experian, XXXX, and XXXX to reinvestigate the above listed accounts : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

According to 15 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.
Consumer complaint received 2017-03-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (MO)

My wife and I both have Student Loans serviced by Fedloan Servicing ( XXXX, PA XXXX ) under the Public Service Loan Forgiveness ( PSLF ) program. We resubmitted our " Revised Pay As You Earn '' income-driven repayment plan. Fedloan Servicing made errors recalculating this payment resulting in our family being billed for a total of $ XXXX/month rather than the $ XXXX/month which it should be. We have been trying to get it fixed since XX/XX/2016. We have been making the higher payments to ensure our monthly payments keep us eligible for the PSLF. Today we spoke with XXXX, ID # XXXX, and she informed us that there was human error in our payments and we have been making payments higher than required since last summer. She said she is currently working on fixing our payment for next month. We asked her if the over-payments we have made can be refunded or applied to future payments. She stated this is not possible and if there is an issue with our payments we should have not payed our monthly bill. This seems outrageous to me since one of the rules for the PSLF program is to make your payments on time.
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.
Consumer complaint received 2024-01-11
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. (AZ)

I have reviewed my consumer reports and noticed that there is a record of one late payment on an account that I have never been late on. It is the responsibility of consumer reporting agencies to report consumer information accurately. Therefore, I request you to investigate this matter and provide me with proof that these payments were late. I have attached a screenshot of the account in question, dated [ XXXX ]. If it can not be proven that the payments were late, I demand that they be updated to " paid as agreed on time '' as they should be, due to the fact that I have never made a late payment on this account. Thank you for your assistance. Please see the screenshot attached.
Consumer complaint received 2024-01-11
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. (AZ)

I have reviewed my consumer reports and noticed that there is a record of XXXX late payment on an account that I have never been late on. It is the responsibility of consumer reporting agencies to report consumer information accurately. Therefore, I request you to investigate this matter and provide me with proof that these payments were late. I have attached a screenshot of the account in question, dated [ XXXX ]. If it can not be proven that the payments were late, I demand that they be updated to " paid as agreed on time '' as they should be, due to the fact that I have never made a late payment on this account. Thank you for your assistance. Please see screenshot attached :
Consumer complaint received 2024-01-11
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-04-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CO)

I have been trying to get help from my mortgage company but they continue to deny our request for homeowner assistance. My interest rate is very high and yet they say they can't create an affordable payment. 

There is a pandemic going around and I have a sale date around the corner which they won't suspend. I have proven my hardship default which we lost our XXXX income and had to start over. 

Everyone else is getting help during COVID and yet here we are with no assistance options and about to lose our home!
Consumer complaint received 2024-01-11
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. (AZ)

I have reviewed my consumer reports and noticed that there is a record of one late payment on an account that I have never been late on. It is the responsibility of consumer reporting agencies to report consumer information accurately. Therefore, I request you to investigate this matter and provide me with proof that these payments were late. I have attached a screenshot of the account in question, dated [ XXXX  ]. If it can not be proven that the payments were late, I demand that they be updated to " paid as agreed on time '' as they should be, due to the fact that I have never made a late payment on this account. Thank you for your assistance. Please see the screenshot attached.
Consumer complaint received 2017-05-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (GA)

XXXX   XXXX  /2017 Handed a teller at  Wellsfargo  a check for {$19000.00} to pay down the principal of my new vehicle loan. Normal monthly payment not due until  XXXX / XXXX /   2017.      On the check I wrote " Principal Only '' and instructed the teller this is not a payment, this is principal.     She applied a portion of the check as a payment, resulting in {$55.00} of interest fees collected, then applied the remainder to Principal. Completely ignoring my request and resulting in the theft of {$55.00}.     I noticed it toda y  XXXX 2017    on my statement and informed Wellsfargo. They said I could make a request, and it would take 3 days to review. No promise of fixing their error, no promise to return the money they stole. Just a vague " We will review. ''
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2016-05-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (CA)

I had an auto loan with Hyundai. The car was deemed a total loss after an accident. GAP insurance was used and the car was paid off in full. Hyundai is reporting to the credit bureaus that it was charged off as well as delinquent payments following the accident.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2024-01-11
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. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-21
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. (AZ)

They have inquiries on my credit report from XXXX and XXXX XXXX that i did not authorize XXXX XXXX was on there 3 times and they only removed one the other two dates are are still reporting file # XXXX
Consumer complaint received 2024-01-11
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MD)

I understand that it is my right to obtain a copy of my rental report, under the Fair Credit Reporting Act. I am requesting a copyof my Experian RentBureau report sent to me via mail.
Consumer complaint received 2024-01-11
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. (CT)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I placed a permanent security freeze on my TransUnion credit report circa XXXX after being the victim of identity theft. I have requested several times since XX/XX/XXXXto have this freeze permanently removed. To date, I am still unable to obtain credit reports through TransUnion because of what they have described as a " partial freeze '' each time, they have assured me it would be resolved and the freeze would be lifted, but to no avail.