davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-16
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. (OH)

I have some information reporting to my credit report that is invalid! Some doesn't belong by to be and the other is not reporting correct! I have listed all details below 1 ) XXXX Account # XXXX Opened XX/XX/XXXX Highest balance {$19000.00} Balance {$12000.00} During XXXX, and the pandemic I had some lates on my car payment, I called them and made arrangements to have them work with me and they advised they would and did and that to us wouldn't effect my credit negatively. Well below are all the dates I was reporting late and since they told me it wouldn't be reporting I feel like it shouldn't XX/XX/XXXX 60 days late reporting XX/XX/XXXX 60 days late reporting XX/XX/XXXX 60 days late reporting XX/XX/XXXX 90 days late reporting XX/XX/XXXX 90 days late reporting XX/XX/XXXX 30 days late reporting XX/XX/XXXX 30 days late reporting This account below is an account I paid off, it has derogatory payment history and I paid this account on time and paid it off! 
XXXX Account # XXXX Opened date XX/XX/XXXX Balance {$0.00} These accounts below do not belong by to me XXXX ) XXXX XXXX  # XXXX Opened XX/XX/XXXX Balance {$210.00} XXXX ) XXXX XXXX Account # XXXX Opened date XX/XX/XXXX Amount {$170.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX ) XXXX  Account # XXXX Opened date XX/XX/XXXX Balance {$850.00} XXXX ) XXXX XXXX XXXX  Account # XXXX Opened date XX/XX/XXXX Balance {$1900.00}
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One stated that this account was properly investigated, verified as accurate, and has refused to delete the account. I have attached my credit report which clearly shows that Capital one is reporting different information in the categories of high balance, last verified, date of last activity, closed date, dispute status and creditors remarks to XXXX and XXXX. A simple update to the account would be insufficient, the reporting of this account can not be trusted and therefore should be deleted. 

Capital One has repeatedly ignored 15 U.S.C 1681 section 604 A section 2 as if it is only a matter of my opinion and not law. The law states that a consumer reporting agency may not furnish an account without written instructions from the consumer. I have given no such permission and in case of litigation Capital One will be unable produce such evidence.

According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT OUT ( 1 ) ( A ) ( a ) ( b ) ( c ) Capital One is barred from disclosing my non public personal information to a non-affilitated third-party without clearly and conspicuosly disclosing their intentions to do so.Capital One is/was required to give me the consumer an oppurtunity to opt out of my information being shared to a third-party initially, and give me and explanation of how I the consumer can excercise that nondisclosure option. I would like for Capital One to send me instructions on how to excercise my non disclosure option in regards to the Capital One account XXXX being reported.
Consumer complaint received 2022-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I deposited {$18000.00} on Thursday, XX/XX/2022 at XXXX PM inside my local Bank of America. My deposit slip said that the money will post on XX/XX/2022. As of today, XX/XX/2022, none of these funds have been made available to me. The bank the check was written on operates in the same clearing house. The check was written from an XXXX trust account. The bank 's policy states that the first {$220.00} of my deposit may be available not later than the first business day after my deposit. It is not. The bank states none of my deposit will not be available until XX/XX/2022.
Consumer complaint received 2022-07-25
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. (AZ)

I recently found a billing issue when I reviewed my credit report. Under U.S. 15. Code 1666 ( b ), billing errors include the creditor 's inability to accurately reflect a statement, a payment made by the debtor, or a credit line given to the debtor, as well as any computation errors or other accounting errors on a statement. As far as I'm aware, the creditor did not send me a statement 21 days prior, thus there shouldn't be any late payment on this account. This is definitely billing issues and I demand to see precise proof from the creditor 's bank account that I failed to pay and was deemed past due. The contested accounts is listed below. 
XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-07-08
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. (FL)

I have previously filed several complaints about XXXX XXXX XXXX XXXX  complaint # XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. ALL OF MY COMPLAINTS have been CLOSED and nothing has been resolved! 

I never made any late payments, XXXX XXXX has not provided me proof that the payments they show as late ever happened, and yet continues reporting a late payment history on my account. I need your assistance correcting this error. NO LATE PAYMENTS WERE MADE! ALLY MUST fix this error immediately as they are causing my score to be low and my extensions of credits are being offered at high rates.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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. 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 seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-12-04
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: NEW YORK COMMUNITY BANCORP INC (TX)

I am writing to file a formal complaint regarding inaccurate and inconsistent credit reporting by Flagstar Bank. The bank has reported erroneous information on my credit reports that has negatively impacted my credit score. Despite my attempts to resolve these issues through direct disputes with Flagstar, the discrepancies remain unresolved.

Specifically, the following issues are present on my credit reports : Inconsistent Balances : The reported balances for my Flagstar account are inconsistent across all three major credit bureaus ( XXXX, XXXX, and XXXX ). These discrepancies are misleading and do not reflect the actual account balances as per my statements. 

Late Payments : Flagstar Bank has incorrectly reported late payments on my account, even though I have consistently made all payments on time. This is inaccurate information that is affecting my credit standing. 

I have already made several attempts to dispute these inaccuracies directly with Flagstar Bank by [ briefly describe any dispute methods used, e.g., submitting disputes, calling customer service, etc. ]. However, despite these efforts, the errors have not been corrected. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that accurate and consistent information is reported to the credit bureaus. Additionally, I request that Flagstar Bank be held accountable for their failure to properly correct these inaccuracies and for not resolving the dispute in a timely manner. 

Thank you for your attention to this matter. Please feel free to contact me if you need further information or documentation to support my complaint.
Consumer complaint received 2020-07-13
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. (TN)

This account is still on my credit report from the original creditor even though its is stated in the comments that the account has been sold to another lender. The original company and the credit bureaus are giving me a very hard tome with getting this account off of my credit reports and this is very unfair.
Consumer complaint received 2024-12-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (TX)

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2022-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In a accordance with the fair credit reporting act convergent account # below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy. 

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number XXXX XXXX # XXXX XXXX XXXX # XXXX # XXXX XXXX XXXX XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX Online information ser # XXXX XXXXXXXX XXXX XXXX # XXXX
Consumer complaint received 2022-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TN)

I recently had my loan transferred from XXXX to Mr. Cooper. Mr. Cooper was to process my first mortgage payment on XX/XX/XXXX. I have since submitted several payments to them via both their online portal ( mrcooper.com ) and via phone on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Each one of these payments has been reversed for seemingly no reason. When I contacted Mr. Cooper, their representative informed me the reversal was due to " insufficient funds. '' However, when I checked with my bank ( XXXX XXXX ), they informed me that was not the case and that they hadn't negated any payment from going through to them. At this juncture, I have also been charged late fees and payment reversal fees from Mr. Cooper resulting in a total of {$120.00}. I feel that being penalized for their grueling incompetence is absolutely absurd. 

I have reached out to Mr. Cooper several times, as well, and have yet to receive a response or a solution to my issue. I have reached out to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I am beginning to worry that their inability to process my payment may negatively impact my credit score and potentially lead to other economic issues in the future.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I applied for the XXXX XXXXXXXX card through a 3rd party and they didn't state there was an annual fee, so I did not anticipate any payments being due after activation. I received a call that my account was past due, and the person said she would close the account for me since that's not the type of card I want, and that the annual fee would not be due if it was closed within a certain amount of time. She said that because there was a late fee she would have to remove that charge before being able to close the account, and that it takes 24-48 hours, and then it would be closed. I then started receiving numerous calls per day that the account is again past due because the annual fee was not paid. I explained what happened with the previous phone call and they now said they would close the account immediately and then request that the charges be removed. I stated that it was a bad idea to close a delinquent account with a balance but they no longer gave me the option to do anything else, if I wait until the charges are removed there will just be more charges again, thus never solving the issue. They said they would waive the fees and I received an email that stated they did, so again I continued calling to see when I could close the card but received the same answer that there are still charges on the account. I have spent many hours on the phone with them, with what I am assuming is the same person, she is very rude, and although she states that she transferred me to her supervisor and speaks in a different voice when I start to ask questions or disagree the same exact same rude tone comes out. Now my credit score has gone down 40+ points because of reported past due balances and I'm not sure what else to do to resolve this issue, they will not work with me to just remove the fees and deactivate the card. After researching this company online I have found that there are many people that are in the same situation that I am in. I recently worked with a credit agency to resolve covid medical bills and have been put on a payment plan for them with lower interest and have already paid 2 off in the past month, and now my credit score is lower than I thought they even went. This is very frustrating and honestly, I can not afford a lawyer to deal with this, it's very simple, just close the account and remove the fees and late remarks on my credit, the account was recently activated but never used. They keep telling me it will be taken care of and the next day it's worse so I need someone to hold them accountable for their actions.
Consumer complaint received 2022-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NJ)

Due to the increasing prices of homes, I figured out that it was very likely my loan-to-value ratio had reached the 78 % threshold required to remove private mortgage insurance ( PMI ). I currently pay {$79.00} per month for PMI. I contacted my mortgage company requesting to remove PMI. They sent information back, asking me to complete the paperwork and mail a {$150.00} non-refundable check to request a broker 's price opinion ( BPO ), which we did on XX/XX/2022. The documents they sent indicated that I would hear from the company within 10 days of receiving the information. 

Several weeks go by and I decide to reach out on XX/XX/2022 to see what is going on. I realized they cashed our check on XX/XX/2022, which means they received our letter and we should've been contacted early XXXX. I spent an hour on the phone, being passed between 4 different call center employees trying to figure out the issue. The last representative I spoke to told me she would call me back tomorrow morning with more information. When I called the next day ( since she never called ), I learned that is not appropriate procedure for their company - individual call center employees should never be contacted customers directly. So she basically lied directly to my face in an effort to get me off the phone. 

I call again on XX/XX/2022 and the call center employee tells me the department that handles PMI cancellation requests never received our documentation. I tell him that's impossible since they cashed the check 8 days after it was sent. He tells me I never included the requested information ( two signatures ), which is impossible because that's what I sent with the check. Additionally, if they didn't receive enough information, did they just plan on keeping my {$150.00} check with no follow-up? Nobody contacted me between XX/XX/2022 and XX/XX/2022. 

I am still trying to get PMI removed from my monthly payment, as I am confident my home value is well below the 78 % XXXX ratio threshold. It's very frustrating to need to spend several hours throughout the week playing phone tag and going through call center stall tactics. This is now two months worth of PMI I have been forced to pay due to poor business decisions by Freedom Mortgage. Understandably, the housing market is likely causing a lot of people to request cancellation of PMI, which is likely why this mortgage company is doing everything they can to dance around federal PMI laws.
Consumer complaint received 2022-07-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX  XXXX XX/XX/2016 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX CC : STATE REGULATORY AGENCY
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, 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 have a credit card account XXXX ( please refer to my XXXX Credit report attached below ) in my name with XXXX and XX/XX/2022 I notice my credit score drop by several points. I started to research what has changed and noticed my outstanding available credit was greatly different from the prior month on my XXXX credit report for Experian than from XXXX and then compared the two report and noticed my opened XXXX credit card account was no longer reporting to my Experian credit report. It continues to report to XXXX and XXXX. I called XXXX several times regarding this issue in XXXX and was told to that they are reporting the card to Experian and it's an issue in their system and wait until the XXXX to see if it reports since I did report that the card was stolen the end of XXXX I believe. I also called Experian and was told they will begin to report the new card number in XXXX. The card still isn't reporting as of today and when I speak to XXXX they direct me to contact Experian and when I speak to Experian they direct me to speak with XXXX. I have paid my bill on time since have the account for two years and attempting to close on a home in XX/XX/2022 so this is impacting me tremendously and would like to get this matter resolved.