davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-12
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. (OH)

I have read Experian 's response to my complaint dated XX/XX/2020. Yet my question wasn't answered about them claiming I have 1 delinquent account " hurting my score. '' I received Experian 's credit report by mail. The credit report is absolutely correct, with 100 % of the accounts in good standing and zero accounts are delinquent. I thought for sure Experian would update my profile. I have a monthly active membership with Experian so I figured I would log in to see. Sadly, here is what I found on my profile page with experian : XXXX Serious delinquency You have a serious delinquency ( 60 days past due or greater ) or derogatory indicator on your credit report. 

Number of your accounts that were ever 60 days late or worse or have a derogatory indicator 1 account The presence of a serious delinquency or derogatory indicator is a highly correlated predictor of future payment risk. People with previous late payments are more likely to pay late in the future. As these items age, they will have less impact on the FICO Score. Most late payments stay on your report for no more than seven years.

Virtually no FICO High Achievers have a 60 days late payment or worse listed on their credit report. 


Few accounts paid on time You have few accounts that are in good standing. 

Number of your accounts currently being paid as agreed 7 accounts The FICO Score considers the number of accounts showing on time payments. Compared to other people with a similar age of credit history, the number of accounts you have that are currently paid as agreed is low.

FICO High Achievers have an average of 6 accounts currently being paid as agreed. 

XXXX**** Let me make it simple. Do I have a serious delinquency? True or False?

Is your credit report that shows I have zero delinquent accounts accurate? True or False? Side note : I keep my own records, I have never been delinquent in my entire history, and Experian 's report indicates that fact correctly. 
You say, " FICO High Achievers have an average of 6 accounts currently being paid as agreed. '' Is that statement true or false? I ask, because I have 7 account in good standing, which is MORE than 6, but still somehow it is " hurting my score?? '' Thank you in advance for clarifying the contradictory statements in my Experian credit profile and then correcting them to be accurate and non-contradictory.
Consumer complaint received 2022-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On Tuesday, XX/XX/22 I contact Bank of America regarding multiple fraudulent charges on my checking account in the amount of {$1500.00}. A new debit card has been issued on the account and sent to a entirely different state then my state of residence. The person receiving the card bought groceries then made 5 ATM Withdrawals to drain the account down to {$7.00} and some change. A fraud claim was filed and I was informed that a provisional credit should be issued within 3 to 4 business days. I called today, XX/XX/22 to check the status of the claim and to make sure that multiple bank fees stemming from this fraud would be credited as well. I was told by the person I spoke to that it will be up to 10 business days to see a provisional credit on the charges. An hardship escalation was offered and requested by the rep but this will take 1 to 4 days to process. 

Bank of America has been very misleading about how long this process takes to resolve and get access to my funds back.
Consumer complaint received 2022-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc. (IA)

XX/XX/21 Credit Corp Solutions sent me a letter stating they were pursuing debt payment of {$130.00} for a XXXX account in the name of XXXX XXXX. the notice doesn't say when the debt was incurred. I called them to explain that isn't my name and that I have an active XXXX account of my own with my correct name. They sent me a " Response to dispute and verification notice '' and wanted me to have it signed by a notary public but the paperwork is still addressed to XXXX XXXX, which is not me, XXXX XXXX. Credit Corp Solutions also believed this was probably a fraudulent attempt to collect money. Credit Corp did state that this fraudulent XXXX account was using my social security number but had a bogus email account tied to it.
Consumer complaint received 2021-06-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CORELOGIC INC (GA)

Over the past 6-9 months I have worked tirelessly on improving my credit score. Close to a year ago, my score was approximately 540. 99 % of my low score was due to previous health issues and not the best health insurance. Unfortunately I could not keep up with these bills. Today, according the direct websites of XXXX, XXXX, and XXXX, my scores are in the 630 - 650 range. I also have a FICO score of XXXX. Since XXXX I have tried 3 times to refinance my home. Every time I have been told that the credit score I see when I go to these websites is not the same as the information being given to lenders by two specific credit reporting agencies. I do not understand how as a consumer I am supposed to use platforms like XXXX, XXXX, and XXXX to see if my credit score is where it needs to be to have the ability to refinance my home, then only to be told the information that is given to lenders does not match what I see in front of me. Every time I ask to have a lender look at my scores, this is considered a hard inquiry, and of course lowers my credit score. I understand there is a window given lenders, but if I go outside of it, it is considered a new inquiry. I am a single mom and work full time and do not have the time or ability to try and contact new lenders in a short period of time only to be told what I see in front of me, is not what the credit reporting agencies are telling the lenders. Even though, supposedly, they go to the same platforms I do, XXXX, XXXX, and XXXX. The difference in what I see and what I am told the reporting agencies see is over 50 points. To me, this is the difference between being considered for a loan and not. Attached are correspondence between myself and a lender. Image 002 is what I was seeing on my end and image 003 is what the lender was seeing on his end. I accessed the XXXX Website and he accessed the credit reporting agency, both of these actions done within an hour of each other.
Consumer complaint received 2022-07-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (NC)

In accordance with the Fair Credit Reporting act XXXX 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 2 : It also states a consumer reporting agency can not furnish a account with my written instructions
Consumer complaint received 2022-01-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CLGF Holdco 1, LLC (UNITED STATES MINOR OUTLYING ISLANDS)

As of XXXX, I called to close the account and inquire about the balance regarding a dispute with XXXX for XXXX. I gave information only to be disconnected on. 

I do not want to conitnue business with this account. I would like to pay the XXXX and be done doing business with this company
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Checkr, Inc (CA)

Checkr They have the wrong name associated with my social security number, email. My name is XXXX XXXX XXXX. They continue to address me as XXXX XXXX XXXX XXXX. I have lost over {$20000.00} in income due to their continued failure to resolve this issue.
Consumer complaint received 2022-01-13
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. (PA)

I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer.
Consumer complaint received 2022-01-13
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. (PA)

I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

Credit Acceptance XXXX  and tin used to financially abuse my credit report by constantly putting on and taking off late payments that were made in compliance with the change of payment date from the XXXX to the XXXX during the pandemic. Within the past 30 days they have made six changes to my credit report as my loan officer has been documenting everything like I have. They have recently blocked my account balance from being shown after they lied to the credit bureau that my balance was over {$2900.00}. I can not speak to this company because their representatives are uneducated disrespectful southern customer service representatives that are trained in collections not customer service. My Exhusband is responsible for this account, I paid two months out of my own money and instead of updating the balance they reported the balance almost twice as much to the credit bureaus. They know exactly what theyre doing it is one lady that handles this account and I would like to know her legal name. Consumer finance needs to investigate this company to the very end.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: JOHN GIBSON AUTO SALES, INC. (AR)

I SENT THE CREDIT BUREAUS AND XXXX XXXX MULTIPLE OF DISPUTES ASKING FOR VERIFICATION OF ALLEGED REPO THAT THEY ARE REPORTING ON MY XXXX ACCOUNT. 

SEEMS TO ME THAT THEY CANT VALIDATE THE DEBT, AND ALWAYS SENT ME BACK A FRIVOLOUS RESPONSE. SOMEONE IS LYING AND NOT DOING THERE JOB. 

AND I NEED NECASSARY ACTION TO BE TAKING IMMEDIATELY. 

I WILL NOT ACCEPT THE STALLS ANYMORE. 

PLEASE HAVE THEM TAKE ACTION ON MY RESPONSE. 

I WANT XXXX AND XXXX XXXX TO COMPLY TO ALL FCRA & FDCPA LAWS. 

SEE ATTACHMENTS BELOW
Consumer complaint received 2020-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NC)

XX/XX/2020, American Express Credit Card Company closed all my 5 credit cards ( 3 biz card + 2 personal card ) suddenly without any inquiry or conversation with me. The reason for closing my account is not being used for intended purpose. I called them multiple times to figure out what is not being used for intended purpose. They never gave me a clear answer. 

My personal guess is because that I carried high balance ( over XXXX ) at that moment as my business do have a temporary need for credit at that moment. They may have a concern that I have trouble to pay the balance down. 

But in reality, I managed my business very well and I could and would pay the balance down as I have done in the past 15 years. By XX/XX/2020, as arranged, I paid all the balance off, XXXX balance was left. There are no balance left in my account anymore. 

These payments have been well planned and arranged before I use those credit cards. 
I made these payments in time, which not only proved that my commitment is not speculated, but true ; also proved I am the loyal, caring, disciplined customer as I have been in the past 15 years. 

Then I called American Express Credit Card Company to see whether they can help me reinstate my credit card. The customer service department saw a restriction which they don't know how to remove those cards. They failed to help me reinstate my cards. 

Now the COVID-19 crisis is still going on, my business could help my family, and help maintain several jobs at this extremely difficult time. The shut down of my american express credit cards disrupted my business a lot. This action is not only to hurt a loyal customer ( 15 years good history ) with some decision made with insufficient information, also hurt all the peoples who are involved in my business, the vendor, the ligistics and so on. 

I don't think anyone will benefit from this wrong decision, including American Express Credit Card Company. 

The wrong doing should be corrected, and the justice should be maintained.
Consumer complaint received 2022-02-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (VA)

Opened an account and received donations due to the fact that my mother passed away. Haven't been able to contact anyone and Ive been waiting for 5 weeks. Making a complaint to the Consumer Financial Protection Bureau and a complaint to the VA General Attorneys Office.
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

On XX/XX/2021, I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to Experian, XXXX and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Consumer complaint received 2022-01-07
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. (TX)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX
Consumer complaint received 2022-07-08
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: NOVAD Management Consulting, LLC (CA)

I inherited my mother 's house in XXXX. She had a reverse mortgage and I was trying to work with Novad and HUD to save it from foreclosure. A lot has happened since then. I am XXXX and was in the XXXX  for a while. During this time I was communicating on and off with Novad about what would happen, but they were hard to get ahold of. 
I thought they were going to work with me to let me stay in the home but in XX/XX/XXXX I got a notice that a foreclosure sale was scheduled for XX/XX/XXXX. I needed more time to figure out what to do and if there was a chance I could save the house. A legal aid attorney told me that I could request a COVID-19 extension to the foreclosure deadline. She told me to call Novad, explain that I was an heir to the property, and ask for the extension. In XX/XX/XXXX I tried calling Novad many times. I could never get through. I would have to leave my number and wait for a callback. I finally got a callback on XX/XX/XXXX but all the representative would say was that I had to pay over {$480000.00} to stop the sale. I tried calling Novad again and again couldn't get through and had to wait for a callback. 
On XX/XX/XXXX I called the HUD XXXX XXXX XXXX with my lawyer but they told us there was nothing they could do and I had to wait for the callback from Novad before I could escalate my urgent request. 
On XX/XX/XXXX I finally talked to Novad XXXX XXXX XXXX, who told me there was nothing she could do and she couldn't give me an extension. My lawyer also tried to call and email XXXX and other contacts at Novad and HUD, including the XXXX and XXXX email addresses. Her correspondence is attached. She could not reach anyone by phone and when she finally got an email response from Novad, it again refused the extension request. 
HUD XXXX XXXX XXXX says that borrowers and their heirs with HECMs in a Due and Payable status may request an automatic extension while the COVID national emergency is ongoing, with the extension lasting until XX/XX/XXXX. As a confirmed successor in interest, I am considered to be acting in the shoes of the borrower. See Regulation X 12 CFR 1024.30 ( d ). Also, CFPB guidance says " As an eligible non-borrowing spouse or heir, you may ask for an extension. '' See https : //www.consumerfinance.gov/coronavirus/mortgage-and-housing-assistance/help-for-homeowners/protections-for-reverse-mortgage-borrowers Novad denied my and my lawyer 's requests for a COVID extension at every turn, in violation of this guidance. In fact they seemed to not know about this guidance at all. I ended up filing for bankruptcy because I was so stressed about the foreclosure sale and having to move out of my house right away.
Consumer complaint received 2022-01-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (MS)

On XX/XX/XXXX, I pulled my credit file and XXXX XXXX reporting inaccurate information. On XX/XX/XXXX, I mailed a Cease and Desist and Validation letter. I mailed a second Cease and Desist and Validation letter on XX/XX/XXXX to To date, XXXX XXXX has not responded to my letter to provide all documentary evidence to prove I owe the debt. They continue to communicate with me via the Credit Reporting Agencies and by mail.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

Greetings, I am unsure why the cases are still opened but the investigations have been completed on my end. However they were dismissed and investigated how they should have been by law. My rights have been violated. Please see attachment for more details or these violations and account numbers. Please allow a human to read the attached letter to receive a resolution. 

Thank you, XXXX XXXX
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2022-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I went to the Capital One XXXX in XXXX Washington DC, and was told I was signing up for a secured credit card, and that I would be able to deposit money into account to use as collateral. I was planning on depositing {$1000.00}, but I was lied to. They signed me up for a credit card that was unsecured with a {$300.00} limit and {$40.00} annual fee. I tried closing but they kept forwarding my call to another department. I spent an hour and 15 minutes and didn't get anything. I then asked to get a secured card, and they rejected my application. Is this legal?
Consumer complaint received 2022-07-08
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: EQUIFAX, INC. (TX)

I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand that a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer pursuant to 15 USC 1681b ( c ) ( 3 ). Pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.