davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX has reported late payments and has not mailed or delivered a periodic statement to me 21 days before the due date. They have failed to send the proof for which I have asked. XXXX, XXXX, and Transunion have reported these late payments without verification and without my consent. 

In addition, I, the consumer, never gave XXXX, XXXX or Transunion written permission or consent to furnish my information or obtain my information.
Consumer complaint received 2024-05-08
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (AZ)

I filed a borrower defense application in 2021. It has been approved and is being processed. Because the department of education is cancelling those student loans associated with XXXXXXXX XXXX my private loans should be eligible for cancellation toom additionally Navient is offering other customers who have been victims of misconduct the same options, which I should be given the opportunity as well or at least the option of seeing if my loans private loans qualify. Or at least have the credit history fixed or updated on my credit report, since the loans were based on misconduct from the school which was found by the department of education.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX, Experian, and XXXX continue to report inaccurate information. My name is XXXX XXXX there should be no other names listed on my consumer report. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX any other address is not mine and is not deliverable by the United States postal service so therefore it should be deleted immediately. Since XXXX, Experian, and XXXX sell personal information this incorrectly reported information can only be obtained through monetary transactions so who is providing this information as accurate as I have a right to examine it to see if it is correct.
Consumer complaint received 2020-07-02
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. (NY)

XXXX XXXX  ( account number XXXX ) has late payments on my account from 2019. I found a buyer in XXXX of that year and began the process of selling the home. For whatever reason, it took XXXX XXXX until XXXX to process the payoff on my account. This is NOT MY RESPONSIBILITY. It is theirs. 

I submitted a dispute to all three bureaus with different results. Experian only removed the 90 day late in XXXX. XXXX XXXX didn't do anything ... XXXX didn't do anything. This should prove that the entire process of reporting and dispute handling is upside down with the lender. I want the 60 day late in XXXX and the 30 day late in XXXX removed from my file as well. I want the 90 day late also removed on XXXX XXXX and XXXX. The delinquency was not my doing.
Consumer complaint received 2021-11-27
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. (OH)

The following payments from XXXX & XX/XX/XXXX2019 are inaccurate. Payment was never late. How can my payment go from 60 to 60 days late without even being 30? This proves the inaccuracies. 

XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : 0 0 0 High Credit : {$910.00} {$910.00} {$800.00} Credit Limit : {$800.00} {$800.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Late 30 Days Current Late 30 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
Closed or paid account/zero balance Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX
Consumer complaint received 2024-01-16
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. (MD)

I have disputed XXXX accounts ( XXXX XXXX XXXX and XXXX XXXX ) on my credit reports both to the credit bureaus and through CFPB. The accounts were removed from both XXXX and XXXX but not Experian. I disputed this with Experian again to let them know the results of my CFPB complaint and the deletion from my other reports. I then received a notification that XXXX XXXX was removed from my report, however it still shows on my report as a collection and negative mark. The other account ( XXXX XXXX ) was removed from both XXXX and XXXX but not removed from my Experian report and also still shows as a collection and negative mark on my report yet should've been deleted as well.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, 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. (FL)

Spoke with XXXX at Clarity Services and it was necessary for her to have one more additional piece of documentation. To be clear, I am requesting this report as I have had 2 other consumer reporting agencies include erroneous data - addresses, numbers etc on my report. I aim to remedy that and dispute anything that is not accurate within the report.
Consumer complaint received 2020-07-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SCA Collections, Inc. (NC)

A collection agency named SCA just reported a {$120.00} collection account on my credit report. I had no contact from SCA in any way, before they blindly placed this account on my report. They are supposed to notify me, and give me 30 days to answer for it, before reporting this. However, they did not gave me that opportunity.
Consumer complaint received 2020-06-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mercedes Benz Financial Services (TX)

I leased a new vehicle on XX/XX/2019 through Mercedes-Benz Financial. I faithfully made payments on the vehicle, but then my husband left me, and I subsequently lost half of my income and had to take on all of the marital debt. I knew I would not be able to afford the vehicle any longer, so I made arrangements to turn it in. I did this in XX/XX/2019, turning everything over to Mercedes-Benz, no damage, everything intact, mint condition. I understood this was a voluntary surrender/turn-in, and my attorney advised me that this was the best option. Soon after ( less than two weeks ), MB Financial began writing me letters and calling me incessantlyearly in the morning before XXXX, and late at night at XXXXabout trying to collect an outstanding balance on the vehicle. I work in the evenings, so this would wake me up every single morning, and as soon as I would decline the call, they would call right back repeatedly. I was unable to block the call because it kept coming up as unknown. My lease was for four years, and the lease payment on this vehicle was {$1300.00}. The vehicle had a gross capitalized cost of {$84000.00}. The agreed depreciation value at end of the four year lease was listed as {$36000.00}, with the original agreed upon value of the vehicle at beginning of lease listed at {$58000.00}. However, MB Financial, even after auctioning off the vehicle was trying to collect from me {$62000.00} ( total amount of base monthly payments over the four year lease ) minus the months that I paid ( XXXX, XXXX, XX/XX/2019 ). The vehicle was 4 months old with less than XXXX miles on it. The buy-out price at the END of the lease was listed as the {$36000.00}. The amount they were trying to collect was more than the price of the vehicle and more than the value of the vehicle at the time they sold it. I have been disputing this debt with each of the credit reporting agencies continuously, and each time, MB Financial responds that it is a valid debt. MB has their vehicle back, theyve sold it, and theyre trying to collect MORE than the value of the vehicle from me on a vehicle that I dont have in my possession. They have been incorrect, unprofessional, pushy, aggressive, threatening, and uncooperative. I thought I was doing the right/best thing by doing a voluntary surrender, but it looks like it didnt pay off well for me. I need something to be done about these people, because they are relentless. Thank you so much for your time and consideration and help. I have XXXX little kids and am struggling.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AL)

On XX/XX/XXXX I contacted them about a transaction I noticed that took place on XX/XX/XXXX in the amount of {$45.00}. I had already contacted the merchant to find out what this charge was for? They told me that they did not have a charge on my account for that amount. They suggested I call my banking institution for a transaction/ID number so they could find it that way. I did get the number from them to provide to the merchant who then advised me to file an unauthorized use charge and that was not even like the transaction numbers they would have used. It was fraudulent that they have not received any payment in their system in that amount from that debit card or account and routing number whatsoever. Immediately I called them back to file unauthorized transaction and I answered all of their questions. No on had use of my card, no one has my pin number, my card was not lost or stolen, and I had possession of the card during that time as well as I still had possession of that card and I have never written my pin number down anywhere. I was told that it could take up.to 90 days for the investigation to be completed but not to worry that It usually only takes a week or so and they are mailing me a new card. I heard from the dispute team via email within a couple of days that they are denying my claim based on my answers to their questions and their findings from their investigation and from the merchant and I could request a copy of their documents supporting their decision. I have called them and chatted with them and to no avail have I received those documents or anyone that I was told would get back to me. I asked why my claim was denied and been told they don't know they will have someone call me and the next time I try there is no documentation that I have spoken to someone about this and waiting a call back. I've asked for the documents several times. I've contacted the merchant and they say that they have not been contacted by anyone other then myself about that transaction. I use this merchant frequently. Also when you look at the transaction ot doesn't even look the same as the rest of them do. If this case was infact investigated then they would know these things. But they do not. It's clear case of someone else used that merchant to make a fake transaction for whatever their purpose was bc the merchant doesn't even have those funds showing a purchase period in that amount with any of my information. The funds left my account and went somewhere but it wasn't to anything I purchased or anything someone else purchased from the merchant that it says. I would like to have my money back and know why I am being lied to and not contacted back with their supporting documents that proves it was my charge and it was investigated.
Consumer complaint received 2016-10-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (PA)

I worked with XXXX County Courts to save my home from foreclosure, last year we came to an 5 year agreement, we had XXXX trial payments, then we started a 5 year modification, starting XXXX/XXXX/2015. During the proceedings the mortgage company was made aware of past due taxes still owed on our property, we received a notice of a sale for the taxes back on XXXX/XXXX/2015. The mortgage company paid the taxes due, this year they sent me a notice increasing the amount owed each month by {$500.00} per month, which is for past due and 2 years future payments. I am in a modification and can not handle the extra amount. When I notified the mortgage company, I was advised to file a modification, which I can not because it will cause the court order to be voided. We are paying our mortgage bill monthly and can pay the current escrow amount, but the past due as well as 2 years future payment as a loan payment is something they are aware that we can not afford. My current finances have not changed much, should they do I have no problem sending them extra money.
Consumer complaint received 2024-01-16
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. (WI)

XXXX is reporting transaction history on my credit report and according to the Master Promissory  Note they will not report transaction history. This is also a violation of my privacy under the Family and Privacy Act of 1974. You can not report without my consent. The Privacy Act protects individuals in three primary ways. It provides individuals with the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely, or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.
Consumer complaint received 2021-11-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I purchased online XX/XX/2021 to purchase costume for {$200.00} and {$52.00}. {$1.00} and {$6.00} are international fees. Purchase costume is used for street parade art performances on XX/XX/XXXX and XX/XX/XXXX. The purchasing agent promises to arrive in the United States within 3-5 days. The package has been delivered but arrived are not on time and not needed anymore. So I requesting for refund. 
I contacted purchasing agent directly to get shipping confirmation after ordering on XX/XX/2021. But purchasing agent did not give response. Until XX/XX/2021 The purchasing agent told the buyer the required shipping fee, so I then remit {$300.00} immediately, which is not enough, then increase the remittance {$200.00}. {$6.00} and {$9.00} are international fees. Total items and fees is now {$780.00}. 
The buyer contacted the purchasing agent on XX/XX/2021 for shipping details. I requested a refund if not shipped yet on XX/XX/2021 at XXXX AM. Contacted conversations included in separate page. 
On XX/XX/2021 XXXX AM the " XXXX '' of agent purchasing said : " already shipping, tracking number : XXXX ''. In fact, the package is not shipped at this time. According to the agent purchasing tracking system, it shows : " Document Clerk : XXXX XXXX, the printer Clerk, is delivering the package for you. '' it is XX/XX/2021 at XXXX AM. Until XX/XX/2021 at XXXX PM, the agent purchasing tracking system showed " Your package has been shipped from XXXX and it be expected to arrive within 3-5 working days I called the customer service of Bank of America as early as XX/XX/2021 in the morning, requesting the bank to investigate the transaction that the buyer requested to cancel due to the deliberate delay of purchasing agent, and return the mandatory transaction payment. The package has been delivered to the buyer 's address on the afternoon of XX/XX/2021. The package has not been opened because the scheduled holiday performance time has been missed. I am waiting the purchasing agent to provide a return label and address of their warehouse to return the package. 
The decision not to refund is unfair to the buyer
Consumer complaint received 2020-07-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (DE)

All collection accounts and charge off accounts have {$0.00} balances. Each collection agency agreed to contact the bureaus and request the accounts be removed from my credit profile. It has been over 45 days and the accounts have not been removed and several balances have not been updated.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (FL)

West Lake financial is reporting 5 late payment from my credit report that is inaccurate. This account is paid in full and was never late on any off my payments. I ask west Lake to fix the problem they keep telling me they dont have access to the records.
Consumer complaint received 2021-11-27
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: Nelnet, Inc. (NC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

To Delete any and all accounts that do not have Verifiable physical proof including the ones below : DEPT OF EDUCATION/NELNET
Consumer complaint received 2020-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, Original Creditor, XXXX  XXXX  XXXX, XXXX, XXXX   XXXX, XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX
Consumer complaint received 2021-11-27
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. (OH)

XXXX account is reporting as a " charge off '' for month after month. According to the FCRA a charge off can not keep reporting month after month. This has been a continued inaccurate reporting by Equifax, with continued violations of my FCRA rights. Please see attched image for the inccurate reporting XXXX Account Type : Revolving Revolving Account Type - Detail : Credit Card Credit Card Bureau Code : Individual Individual Account Status : Paid Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : 0 0 High Credit : {$0.00} {$2000.00} Credit Limit : {$2000.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Unknown Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Customer disputed account - reported by subscriber. 
Account legally paid in full for less than the full balance. 
XXXX*CONSUMER STATEMENT** DELINQUENCY DUE TO EXTENDED UNEMPLOYMENT. 
Paid charge off Credit card Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two
Consumer complaint received 2020-05-12
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (MI)

Received an extension from Chrysler Capital do to COVID 19, yet they went ahead and reported the 30days late to all three bureaus, which they acknowledge that it was their error yet they refuse to contact the bureaus to correct the error which could possibly impact my loan that I'm wait to receive.
Consumer complaint received 2018-01-14
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Key 2 Recovery, Inc. (FL)

I spoke to this company on XXXX XXXX XXXX, XXXX and informed them that this debt is almost XXXX XXXX XXXX. I was in my early XXXX 's at the time of this debt and am now almost XXXX years old. 

He agreed it was uncollectable and I asked him to stop calling and to not hurt my credit. 

He assured me he would not. 

The next day he calls my parents asking for me at XXXX XXXX XXXX obviously trying to embarrass me into paying a XXXX XXXX XXXX debt. 

He was told not to call on XXXX yet called my parents anyway the next day.