davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
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: Bread Financial Holdings, Inc. (PA)

Dear CFPB, Im writing to you about a serious issue with XXXX and other credit reporting agencies. Ive encountered multiple problems that indicate fraudulent reporting, and despite my attempts to resolve these issues, Im met with what seems like deliberate stalling tactics. 

I initially sent disputes to XXXX on XX/XX/XXXX, concerning several accounts : 1. XXXX XXXX Account Inconsistent Reporting : The account shows conflicting statuses like " Derogatory, '' " Collection/Chargeoff, '' and " Paid charge off. '' These inconsistencies are misleading and damaging to my credit profile. 
Contradictory Information : The report lists an " Unpaid balance reported as a loss by credit grantor, '' which contradicts the " Paid charge off '' status. This discrepancy negatively impacts my creditworthiness. 
Fraudulent Reporting : The contradictory information appears intentional and could be considered fraudulent. I requested the removal of this account, but it remains unresolved. 
2. XXXX XXXX Account Re-Aged Account : XXXX shows the " Date of Last Payment '' as XX/XX/XXXX, and the " Date Last Active '' as XX/XX/XXXX. XXXX changed these dates to XX/XX/XXXX, making it appear as if the account is negative longer than it should be. This alteration seems deliberate and fraudulent. 
3. XXXX XXXX XXXX Account Errors and Misleading Information : Account Type : Reported as " Open Account '' instead of " Collection. '' Date Opened : Shows as XX/XX/XXXX, which is unusual for a collection account. 
Balance and Terms : Reported inconsistently, with vague comments and discrepancies in the terms and payment status. 
4. XXXX ( XXXX ) and XXXX XXXX XXXX Reporting Conflicting Information : Both entities report the same account with conflicting details : XXXX ( XXXX ) : Account Number : XXXX, Status : Charged off as bad debt. 
XXXX XXXX XXXX : Account Number : XXXX, Status : Collection. 
Despite providing XXXX with copies of my ID and Social Security card, they claim they have not received these documents. This is incorrect ; I have attached proof of my disputes, ID, and Social Security card for your review. XXXX has repeatedly sent me stall tactic letters, claiming they can not locate my file with the provided information. I received four such letters on XX/XX/XXXX, and XX/XX/XXXX, which I believe are maliciously intended to hinder my progress. 

This situation feels like a deliberate attempt to obstruct and mislead, as my attorney, XXXX XXXX, has also noted. I am deeply violated and hurt by this treatment. XXXX and the other involved agencies are engaging in fraudulent practices, and I am considering legal action. 

Please investigate these issues thoroughly. I am seeking your assistance in resolving these fraudulent entries and ensuring that my rights are upheld. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2021-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I am a single mom with XXXX kids who suffered extreme XXXX  and XXXX  XXXX by my ex husband who fraudulently stole everything we had, opened credit cards under my SS # and caused us to be evicted and homeless for years. Due to my ex husband actions I received multiple calls from collections that were not mine and struggled to survive. I was able to settle with XXXX after I told them what has happened and that I am not responsible on these accounts but they kept threatening me to take me to court if I won't pay. XXXX never explained me my rights if any, even after explaining that I am a victim of Identity theft. They said that I am responsible since it's my SS and promised me to decrease the amount and delete the information from my credit report. After months of payments, I finished and called them however, they refused to delete the 3 accounts. I contacted the credit companies with regards to 3 XXXX accounts that were promised to be deleted, provided them with my eviction letter, a police report about my ex husband stealing all we had and explaining them that these 3 accounts are not mine. I disputed for over a year every month through their online dispute, called and disputed by phone, and mailed supporting documents. They just don't care. I am struggling during the pandemic with XXXX kids and these fraudulent items hurt my life severely. Please help me remove these three accounts from my credit repots.
Consumer complaint received 2022-04-06
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. (MS)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-02-05
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: EQUIFAX, INC. (AZ)

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2021-02-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I had bought appliances in Sears store with there credit card which at the time I was told by person doing transaction that it was going to be 18 months no interest, which the interest accumulation will start at the beginning of the 19 months, also when I received appliances with damaged I called Sears about damage and we had a agreement that they would reimburse me for those damages. Later as time passes I look at statement and I was charged interest for the XXXX and also not refunded the damage amount, so for the past year I been trying to figure something out so I call Sears to have it resolved and they say they send me a check for damages to wait 7 business day that was last month and that some one will contact me for interest charges, I have not heard from them, they have me on hold or transfer me to different department then they hang up and nothing gets resolved this been going on seens the beginning of last year. I need help
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

At the beginning of the COVID crisis, ( in XXXX I believe ) Bank of America ( the credit card carrier ) contacted me and told me my payments were being deferred temporarily. I did not know until 2-3 months later that they were accruing interest as they normally would. I started making payments again immediately. This seems very predatory in the midst of a crisis. I'm sure the terms were in fine print somewhere but I did not ask for assistance. They just sent an email and automatically adjusted my amount due to {$0.00}. I could not even tell what my normal payment would have been if I wanted to keep paying. I accrued hundreds of dollars in interest on debt I would have been paying off.
Consumer complaint received 2019-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WY)

Nationstar/DBA Mr. Cooper and their Predecessors have not sent Welcome and Good-bye letters when my mortgage changed ownership. 
My loan originated on XX/XX/XXXX, with XXXX  XXXX XXXX. According to the Pooling and Servicing Agreement, the loan was assigned to a XXXX XXXX Trust on XX/XX/XXXX. I did not receive a letter of notification by either XXXX XXXXXXXX XXXX or XXXX XXXX. 
According to a recorded Assignment of Mortgage which took place on XX/XX/XXXX, the mortgage transferred ownership from XXXX XXXXXXXX XXXX to the same XXXX XXXX Trust. There appears to be a missing Assignment of Mortgage which should have taken place between XX/XX/XXXX and XX/XX/XXXX. If there is no such Assignment of Mortgage, XXXX XXXX  XXXX would not have had the legal standing to transfer ownership back to the XXXX XXXX trust, since it was apparently already owned by XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I did not receive letter notifications from either XXXX   XXXX XXXX or XXXX XXXX between the dates of XX/XX/XXXX and XX/XX/XXXX when these transfers of ownership should have taken place. 
On XX/XX/XXXX, the mortgage was transferred from the XXXX XXXX trust to Nationstar Mortgage. Again, I received no letter notifications from either Nationstar or XXXX XXXX informing me of this transfer of ownership. 
On XX/XX/XXXX, the mortgage was transferred from Nationstar Mortgage back to the same XXXX XXXX trust. Again, I received no letter notifications from either XXXX XXXX or Nationstar. Since XX/XX/XXXX, my mortgage has apparently changed ownership 4 times and possibly 5 times. 
As specified in the Truth in Lending Act, the owners of my mortgage were required by law to inform me in writing of these ownership changes. 
Truth in Lending Act, 15 U.S.C. 1641 ( g ) Liability of assignees states the following : ( g ) Notice of new creditor ( 1 ) In general In addition to other disclosures required by this subchapter, not later than 30 days after the date on which a mortgage loan is sold or otherwise transferred or assigned to a third party, the creditor that is the new owner or assignee of the debt shall notify the borrower in writing of such transfer, including ( A ) the identity, address, telephone number of the new creditor ; ( B ) the date of transfer ; ( C ) how to reach an agent or party having authority to act on behalf of the new creditor ; ( D ) the location of the place where transfer of ownership of the debt is recorded ; and ( E ) any other relevant information regarding the new creditor.

( 2 ) Definition : As used in this subsection, the term " mortgage loan '' means any consumer credit transaction that is secured by the principal dwelling of a consumer.

I have requested copies of these Welcome and Good-bye letters many times, but have never received them.
Consumer complaint received 2021-02-05
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I got in an accident in or around XX/XX/XXXX XXXX  and I totalled my vehicle, a XXXX XXXX XXXX. After totalling my vehicle, my insurance company paid Capital One Auto Finance more than what was owed on the vehicle. The following month, I received a statement showing that my payment was late only to find that Capital One did not accept the first payment that was sent from my insurance company, XXXX XXXX. I contacted them to follow up on the status of my account, and I was told that the payment was misapplied, that Capital One sent the payment back to my insurance company, and that they would need them to send it again. I contacted my insurance agent, and she assisted with getting this 2nd payment taken care of. Once Capital One received the payment, I believed that this account was all square, but after the second payment, I noticed that there was still a {$68.00} balance on the account. I contacted Capital One for clarification and they mentioned that interest accrued on the account during the timeframe between when the first payment was made and returned to the time the 2nd payment was made. This is not my fault, and Capital One was sent the money. I should not be held responsible for this, and Capital One Auto Finance is reporting this {$68.00} balance as a charge off with their company. This is absurd, and they are ruining my ability to get another vehicle over {$68.00}, not to mention the impact this tradeline is having on my credit report. Every representative I speak with says there is nothing they can do, but this is a Capital One mistake that I'm literally being asked to pay for. You would think that after paying a total of $ XXXX to a company that they wouldn't try to hold you accountable for their error, especially over {$68.00}, but obviously Capital One isn't aligned with what I feel is straightforward and common sense.
Consumer complaint received 2022-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (TN)

XX/XX/2022 I made deposit of {$300.00} and my account balance were {$25.00}. My cash deposit was not received to my account and I had to file dispute. At XXXX XXXX Regions bank. Now I have to overdraft my account to pay stuff. On the banks fault. I am out of town homeless because of this! I had a new deposit XX/XX/2022 of {$360.00}. My account was overdrawn XXXX because my deposit was not cleared this lead me to lose {$230.00} and had {$120.00} available when Im suppose to have {$660.00} from my {$300.00} deposit and {$360.00} deposit. I had more deposits as well to pay my rent! They taking my money because Im paying back overdraft when I never was overdraft! Now my account $ XXXX. And they said when credit come I will have {$0.00} available! When Im suppose to have {$400.00} because Im usin money thats suppose to be mine I should not have to pay the {$360.00} and loose my money!
Consumer complaint received 2022-08-21
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX should not be reporting to Equifax ; XXXX  and XXXX that I am ( XXXX XXXX ) days late on the XXXX XXXX CU partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind it would be impossible to be late on an account with a zero dollar balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus as well as XXXX XXXX to resolve this however, I have not been successful.
Consumer complaint received 2020-08-24
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: ID Analytics, Inc. (MN)

Sage Stream is reporting adverse information of fraudulent accounts and credit inquiries on my consumer report. All the credit inquiries and fraudulent accounts listed on my consumer report is fraudulent and unauthorized. The credit inquiries or accounts are not my credit inquiries or accounts. There shouldnt be any adverse information of accounts or credit inquiries listed on my consumer report. I am a victim of identity theft.
Consumer complaint received 2021-02-05
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: ALLY FINANCIAL INC. (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX/XXXX XXXX  Inquired on XX/XX/2019, XXXX XXXX XXXX Inquired on XX/XX/2019, ALLY FINANCIAL Inquired on XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2021-02-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (PA)

Ally Auto Finance.. i took out used car loan for 5 years at 12 percent interest car price XXXX with interest total owed was XXXX .... paid 9 payment at XXXX a month in XXXX and 12 months in XXXX i pad over XXXX new balance should be XXXX plus give or take but they state i still owe XXXX! My payment of XXXX has interest in it already! They wont change my total loan left that doe.. i only owe then maybeXXXX
Consumer complaint received 2022-10-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: First Technology Federal Credit Union (OR)

First Tech has refused to close my account. They continue to add overdraft and NSF fees for transactions that are repeatedly attempted. They've added {$99.00} in fees so far. 
I want to pay the balance but not the fees that never would have been added had my request to close my account been honored.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2022-09-22
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. (AZ)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.