davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-10
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: Mr. Cooper Group Inc. (NC)

I received a letter from my original mortgage lender XXXX XXXX XXXX XXXX XXXX  ) dated XX/XX/2021 which indicated that they were transferring my loan to Nation Star d/b/a Mr. Cooper. This letter stated that the change in servicer would not affect my credit score but it indeed has. This change has caused a 30 plus points drop in my credit score across all three credit reporting bureaus. On XX/XX/2021, I contacted XXXX and Mr. Cooper to file a dispute and the reps told me that the change in servicer should not affect my credit score. Mr. Cooper rep stated that I would receive a result of their investigation within 7 days - I have not received anything from them other than my issue requires further investigation. I also filed disputes with each credit reporting bureau. XXXX and XXXX notified me that the results of my disputes were complete but when I log in to see the results there is nothing there, to show that anything was done. I am desperately seeking help to resolve this matter and I have never paid my mortgage late and now this change has caused such a drastic decrease in my credit score. Please help!
Consumer complaint received 2024-09-01
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. (NY)

The following address listed on my credit report does not belong to me. I have never resided at this address. The address is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. Please remove this information from my report.
Consumer complaint received 2023-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

During my annual credit pull from all three-credit bureau in XX/XX/XXXX to check for inaccurate information, I came across a delinquent charge from XXXX in the amount of {$680.00} on XXXX and Equifax. After discovering this I immediate froze my accounts with each credit bureau. This account was opened fraudulently without my authorization. I have never had XXXX  cell phone service. Additionally, I have never resided at the address XXXX XXXX XXXX XXXX which is also being reported. I have contacted XXXX requesting to be provided an original signature opening this account. I have also filed multiple disputes with XXXX and Equifax requesting this information in XXXX and XXXX, I have not received satisfactory results from either organization.
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Attempted to use credit card to pump gas. Pump would not dispense. Pressed button to cancel transaction however the pump failed to cancel transaction. Subsequently a larger vehicle capable of holding {$100.00} of gas came into pump area and dispensed gas on the still-open transaction. 
My vehicles only have 13-gallon tanks and will not hold that much gas. I have disputed claim three times and BofA states " card was present so charge is valid ''. This is however a fraudulent charge.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

In XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. # # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : Unauthorized Inquiries : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX 
These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. Collection Accounts : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX  - Account Number : XXXX XXXX - Account Number : XXXX XXXX Account Number : XXXX XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have been in XXXX for the past XXXX years going to XXXX and just got back early this week. I received multiple calls and letters of accounts that did not belong to me. I reached out to all banks and notified them that they do not belong to me. I have already filed a police report and sent all documents required via US mail to the credit bureaus. Please help me resolve all these accounts that do not belong to me and clear my name of these accounts. Thank you.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VI)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2022-09-21
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. (NC)

In accordance with the Fair Credit Reporting act Accounts : XXXX ACCOUNT # : XXXX 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 the information is inaccurate Has violated my rights as a natural person 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

they sent me a letter back saying they are reporting validated information when I look at my credit report I see multiple errors Date opened is INACCURATE XX/XX/XXXX XX/XX/XXXX Date of last payment is INACCURATE XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (GA)

This company is stating that I owe them a debt which I don't and reporting my personal information to the consumer reporting agencies without my consent. They are violating my consumer protection laws and I am very upset. Pursuant to 18 USC 8 after 1933, the government agreed to assume ALL liabilities that arise under transactions using the credit card which is my social security card. Pursuant to 15 USC 1692e Congress states that a debt collector may not use any false, deceptive, or misleading representation or means in connection with he collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation.

( 2 ) the false representation of ( A ) the character amount, or legal status of any debt All the letters. and statements that you have sent me has been in a positive amount. How do I owe something that is positive? Its in a positive amount because it has already been paid by the United States pursuant to 18 USC 8. Thats false representation of the character amount or legal status of any debt.

I have been violated as a federally protected consumer and I demand that you zero out the balance and remove the account from all consumer reporting agencies IMMEDIATELY!! If you do comply I will hold you civily and criminaly liable for non compliance.
Consumer complaint received 2021-01-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (GA)

I XXXX XXXX and my husband XXXX XXXX have a loan with Santander Consumer that we opened in XX/XX/XXXX and the loan was for {$12000.00}. 
Account # XXXX Account Balance {$9800.00} Request Payoff Quote Account Maturity XX/XX/XXXX As of today the loan amount is XXXX. This was a high interest loan. I received information that I was in the multi settlement file with the state attorney general office of Georgia, in XX/XX/XXXX. I have reached out to Santander with no help they have not changed the high fees that they charge even after the Law suit and I am a disable veteran and my husband is not working due to Covid 19. The company simply got a pat on the hand for misleading consumers. On XX/XX/XXXX The executives at Santander stated that I was included in the settlement but would only receive {$200.00}. I am outraged and furious that a company can be found dishonest in it practices but still able to rip off consumers. I am writing you because I need help. I have ask voluntary repossession because i can no longer pay for this any longer. The high interest rates that accumulate is unreasonable. For the last couple of years I thought I was simply crazy until this lawsuit came about. Now I know that I am not. Please help this consumer, by removing this from my credit report and getting rid of the way this company is practicing.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am submitting this formal complaint and request for investigation regarding inaccurate late payment information reported by XXXX XXXX , XXXX on my student loan accounts. This letter serves as my second request for correction after my previous attempt to dispute this error with the credit bureaus and XXXX XXXX , XXXX has not been appropriately addressed. 
The accounts in question are : Account No : XXXX ( Date Opened : XX/XX/XXXX, Last Updated : XX/XX/XXXX ) Account No : XXXX ( Date Opened : XX/XX/XXXX, Last Updated : XX/XX/XXXX ) Account No : XXXX ( Date Opened : XX/XX/XXXX, Last Updated : XX/XX/XXXX ) My credit report incorrectly indicates a XXXX late payment for XX/XX/XXXX, despite my payments being on time for XX/XX/XXXX and for the months following, specifically XXXX, XXXX, and XX/XX/XXXX. XXXX XXXX XXXX reporting of a XXXX late payment for XX/XX/XXXX is inconsistent with the payment history before and after that period. 
Under 15 U.S.C. 1666 ( b ) of the Fair Credit Billing Act and 15 U.S.C. 1637 ( a ) of the Truth in Lending Act, I have the right to dispute and correct inaccurate information on my credit reports. I believe that XXXX XXXX has failed to properly verify the accuracy of the information in question, and I am requesting the Consumer Financial Protection Bureau 's assistance in resolving this matter. 
Given the nature of this error and its negative impact on my credit profile, I respectfully request that the CFPB require XXXX XXXX and the credit reporting agencies ( Experian, XXXX, and XXXX ) to investigate the matter and permanently delete the incorrect XXXX late payment from my credit file for the accounts listed. 
Enclosed with this letter, you will find : 1. A copy of my credit report, highlighting the disputed entries. 
2. Payment records for the relevant months, confirming my timely payments for the periods in question. 
I appreciate your prompt attention to this matter and look forward to a resolution within the required investigation period. Please provide written confirmation once this issue has been fully resolved.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX, and I am sending this request again to address the inaccuracies on my Credit Reports. I received a letter from CFPB on XX/XX/XXXX, that TransUnion Credit Bureaus closed my complaint to protect my PRIVACY. I called TransUnion after I purchased a credit report from XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were XXXX, XXXX, T ; XXXX, XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX Balance : {$17000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$94.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} ; XXXX XXXX  ( Original Creditor : XXXX ) XXXX XXXX : {$58.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX FIN XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent items and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information.
Consumer complaint received 2022-06-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc. (NC)

Im the general executor and trustee of the XXXX XXXX XXXX XXXX estate/Trust I am taking the time to correct the record pursuant to 15 U.S. Code 1681 A & B Im requesting you send me the 1099-C
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (NE)

I applied for an auto loan on XX/XX/XXXX with JPMCB Auto Finance and they were authorized to pull my credit with that application. I obtained a loan XX/XX/XXXX On XX/XX/XXXX JPMCB Auto Finance pulled my credit again as a Hard Inquiry. They did not have permissable purpose and this access to my credit is Unauthorized. 

I called JPMCB on XXXX separate occasions over the past XXXX months and they have not removed the unauthorized inquiry. 

JPMCB Auto Finance XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX See page XXXX Regular Inquires of the attached credit report.
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Below is the letter I wrote to Bank of America disputing two 'refunds ' to my credit card account. I did not request these refunds. 

'Bank of America XXXX BK Notice XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : Notice of disputed charge to personal credit card account Dear Billing Inquiry Division, I am writing you to dispute the listed charges/refunds below. 

First disputed charge : Transaction Date : XX/XX/XXXX Posting Date : XX/XX/XXXX ACH PAYMENT REFUND Reference Number : XXXX Account Number : XXXX Amount : {$2900.00} [ The card holder ] does not know what an ACH PAYMENT REFUND is. He never received authorization, an email, or text for approval of this transfer from Bank of America. 

Second disputed charge : Transaction Date : XX/XX/XXXX Posting Date : XX/XX/XXXX ARC PAYMENT REFUND Reference Number : XXXX Account Number : XXXX Amount : {$2000.00} [ The card holder ] does not know what an ACH PAYMENT REFUND is. He never received authorization, an email, or text for approval of this transfer from Bank of America. 

I spoke with a telephone operator on XX/XX/XXXX, to dispute these ARC payment refunds, and they said this was money that was supposedly taken out of my credit card account and deposited into a XXXX Bank in Ohio. I do not have an account with that institution. I received an email from Bank of America on XX/XX/XXXX, asking me to rate my conversation with XXXX. I thought this was a general Bank of America email so at that time I did not open the email. I never spoke to a XXXX on that date or anyone else at Bank of America. 

After no contact from Bank of America for almost a month, I received another credit card statement that retained the same disputed dollar amounts on XX/XX/XXXX. I spoke with another representative on XX/XX/XXXX, and she thought that the money was transferred via an XXXX XXXX account. I do not have an XXXX XXXX account set up that I am aware of. She also mentioned that the money was potentially transferred by a XXXX XXXX at Bank of America. This same operator said the paperwork for this correction was filled out back in XXXX, but never actually submitted and that this was a mistake. She told me that she had corrected that mistake and would make sure the paperwork was submitted at that time. 

I have included copies of my last two statements for your information. Please let me know if you require additional information. 

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. On XX/XX/XXXX, I terminated my credit card account resulting from this matter. ' On XX/XX/XXXX, the card holder terminated all accounts with Bank of America as a result of their lack of response to the complaint. I was a customer for 37 years and never missed a payment.
Consumer complaint received 2021-04-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

I received the first call several days ago and asked the agent to stop calling my number. 
XXXX called on XX/XX/21 ( Agent ID XXXX ). I asked her to cease calling my number. 
XXXX called on XX/XX/21 - he refused to provide his agent ID and repeatedly asked who he was speaking with rather than responding to my questions. I asked for a Supervisor. I spoke to XXXX XXXX who claimed to be the operations manager. I asked him to cease calling as well.