davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and update : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX Date Opened XX/XX/2015 Balance {$0.00}
Consumer complaint received 2023-04-04
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 (IL)

XXXX XXXX XXXX in XXXX Va and Capital One both denied me a car loan using erroneous information from XXXX. The details of my credit history is as follows. I have a credit score of XXXX, can't get much better than that. I have NO loans and the majority of my purchases are on my XXXX XXXX card that I pay off in full every month. there are a couple of credit cards from stores etc, I hardly use them and I. pay each and every one in full at the end of the month. I am retired, I own my home, no mortgage. No car payments or other consumer loans. I have assets in excess of {>= $1,000,000} the majority is in my retirement investment account, the rest in a bank or is real property. by any account I am an excellent credit risk. The explanations from XXXX and Capital One, make no sense and couldn't be a conclusion gleaned from the experian credit report. I believe I am the victim of discriminatory credit practice.
Consumer complaint received 2023-04-04
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. (WA)

I entered into a 6-month mortgage forbearance in XX/XX/XXXX with XXXX because my husband was laid off due to the pandemic. As soon as my loan entered the forbearance period ( XXXX ) and I stopped making payments XXXX reported to the credit bureau that I had missed my payment. I, unfortunately, did not notice this immediately because I was told by XXXX  not to be concerned with the late payment notification on my online account. At the end of the 6-month period, I made a request to extend the forbearance for 2 more months ( XXXX - XXXX ) which was when my husband would begin his new job. They granted my request for an extension but again reported that I did not make my XXXX mortgage payment to the credit bureau. At this time my parents, who are consignors on my loan applied for a second mortgage for an investment property. During their application process, they realized that XXXX had made multiple missed payment reports which had severely lowered our credit scores. At this time both my consignor and me made several attempts to contact XXXX to resolve this issue with minimal response. XXXX promised to fix the issue, fixed it, then again made negative reports causing us to begin the whole process of resolution over again. At the end of the extended forbearance period I was ready to begin making payments ( XX/XX/XXXX ) again on my mortgage but XXXX notified me that the paperwork was taking longer on their end so they were extending the forbearance for 1 more month. Again, they reported that I had missed my payment for XXXX. As of XX/XX/XXXX, I have officially exited forbearance and made my first mortgage payment to XXXXXXXX XXXX. As of XX/XX/XXXX, I still have 2 missed payment reports on my credit and my credit score has dropped 200-300 points. I have been denied for a small loan and have had one if my credit accounts closed due to the derogatory marks. My parents were finally approved for their mortgage after extending closing several times and settling on a higher interest rate loan. The time spent trying to contact XXXX, the stress this has caused, and the financial repercussions are still impacting us.
Consumer complaint received 2023-04-04
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. (WA)

I entered into a 6-month mortgage forbearance in XX/XX/XXXX with XXXX because my husband was laid off due to the pandemic. As soon as my loan entered the forbearance period ( XXXX ) and I stopped making payments XXXX reported to the credit bureau that I had missed my payment. I, unfortunately, did not notice this immediately because I was told by XXXX not to be concerned with the late payment notification on my online account. At the end of the 6-month period, I made a request to extend the forbearance for 2 more months ( XXXX - XXXX ) which was when my husband would begin his new job. They granted my request for an extension but again reported that I did not make my XXXX mortgage payment to the credit bureau. At this time my parents, who are consignors on my loan applied for a second mortgage for an investment property. During their application process, they realized that XXXX had made multiple missed payment reports which had severely lowered our credit scores. At this time both my consignor and me made several attempts to contact XXXX to resolve this issue with minimal response. XXXX promised to fix the issue, fixed it, then again made negative reports causing us to begin the whole process of resolution over again. At the end of the extended forbearance period I was ready to begin making payments ( XX/XX/XXXX ) again on my mortgage but XXXX notified me that the paperwork was taking longer on their end so they were extending the forbearance for 1 more month. Again, they reported that I had missed my payment for XXXX. As of XX/XX/XXXX, I have officially exited forbearance and made my first mortgage payment to XXXXXXXX XXXX. As of XX/XX/XXXX, I still have 2 missed payment reports on my credit and my credit score has dropped 200-300 points. I have been denied for a small loan and have had one if my credit accounts closed due to the derogatory marks. My parents were finally approved for their mortgage after extending closing several times and settling on a higher interest rate loan. The time spent trying to contact XXXX, the stress this has caused, and the financial repercussions are still impacting us.
Consumer complaint received 2022-12-02
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. XXXX pledging us as collateral to back government debt. 
HJR 192 Remedy the government has obligation to discharge and settle debt we may incur
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2023-06-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (WY)

Account over drawn, for pending transactions which caused for a negative balance and insufficient fees being charged. Wells Fargo still allows money to be taken out of an overdrawn account and continue to collect insufficient fees. They do not decline payments which makes my account go further negative.
Consumer complaint received 2022-12-02
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (GA)

My mortgage company, Freedom Mortgage has been a horrible experience since the beginning of XXXX. Last year, I was having problems paying my mortgage and opted to using the VA COVID forbearance plan. Earlier in 2022, I planned to leave the program after being able to pay my mortgage. Well, it didn't go as planned. While leaving the COVID forbearance, it took Freedom Mortgage over 6 months to transition us off the program. During this time, they were taking huge amount of time processing the paperwork, and delays in underwriting. While waiting, our mortgage payment debt was building. I called multiple times checking on the status. In XXXX, I managed to submit paperwork to start paying my mortgage. I was informed that my first payment was initially due XX/XX/XXXX but it was later confirmed and changed to XX/XX/XXXX. After XXXX, I was getting multiple harassing calls that my payment was due. I would call back to understand why I was being berated. I was informed to ignore the calls and that my payment wasn't due until XX/XX/XXXX. Unfortunately, in XXXX, the harassing calls didn't stop. I called again and explained it again. This time it changed. On XX/XX/XXXX, I was told that I was late on my XXXX and XX/XX/XXXX payment. I was very upset and had to explain to them how I was lied to for months and was told incorrect information. Now my credit has been affected and XXXX  XXXX  only offered a, " we're sorry that we misled you. '' Now I'm XXXX months behind and I can not afford to pay the payments owed. I will have to go get a loan and avoid my home from going into foreclosure. This is a complete disservice to me as a retired XXXX veteran, and is causing undue stress around XXXX time. We're not sure if my kids will get anything for XXXX due to the neglectful and haphazard business practices of Freedom Mortgage. This is clearly their fault and I should not be held liable or having to pay 2 months of my mortgage for their lies. Please help to rectify this issue, my negative credit hit, and this financial burden that my family and I are a victim to.
Consumer complaint received 2022-12-01
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. (MS)

I did not give these companies my permission to post or give my credit information. It is a violation of my consumer rights according to Fair Credit Reporting Act under 15 USC 1681.

15 USC 1681, section 602 A, states I have a right to privacy.

15 USC 1681 section 2 states that a consumer can not furnish a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) section states : no consumer reporting agency may take any consumer report containing any of the following items of information, any adverse item of information, other than records of conviction of crimes which antedotes 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. 

I have reviewed my credit report in XX/XX/2022 and sent certified letters to creditors as well a XXXX, XXXX and Transunion Credit Reporting agencies, asking them to delete the information from my credit report because of inaccuracies, not my accounts and/or because it was published without my permission. Of course it is well over 30 days and they have not deleted these accounts from my credit report. 

On XX/XX/2022, I sent a certified letter for XXXX XXXX {$5900.00}, it has been charged off, it is still on my credit report. 

On XX/XX/2022, I sent a certified letter to XXXX for XXXX {$2600.00} ; XXXX {$2100.00} ; the accounts are charged off, but they are still on my credit report. 

On XX/XX/2022, I sent a certified letter to XXXX for XXXX {$2600.00} ; XXXX {$2100.00} ; XXXX is on my new credit report 4 times for 2 loans. Some of the accounts dont have account number or other information is missing making it look like its a different account. the accounts have been charged off, it is still on my credit report. 

On XX/XX/2022, I sent a certified letter to Transunion for XXXX {$2600.00} ; XXXX {$2100.00} ; the accounts have been charged off, it is still on my credit report. 

On XX/XX/2022, I sent a certified letter to XXXX  for XXXX {$84.00} ; it sold it to XXXX XXXX XXXXXXXX on XX/XX/2022 and the accounts is on my XXXX credit report, but I never owed them anything and it is still on my credit report.
Consumer complaint received 2022-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CO)

I have been having problems with this mortgage company since they took over my mortgage. I tried paying through their website, and had problems, they claimed it was my bank, they could not find my account, etc. Then I set up bill pay through my bank, and still had the payments post late, and BSI financial charging late fees. I had a XXXX way call with my bank, and the bank is sending the payments on time, they are not posting them in a timely manner. I called again on XXXX and the representative stated the fee of {$11.00} was nsf fee, which is not true, I had enough money in my bank to cover the payment. BSI keeps stating that the {$170.00} I owe is late fees, but this does not add up. Whatever way I try to pay them, they have an excuse for posting this late, and charging me more and more fees. 
I switched back to auto pay through their website on XXXX, so they could not say the payment is late. I know they are going to come back and state that they could not process my payment as they could not find my bank account. I know this, as they did this the last time, and when I talked to a rep, she claims it happens to a lot of their clients. This company is run very haphazardly, and needs someone to step in and regulate or fine them, as they are stealing people 's money by using predatory tactics to obtain extra fees. 
I have been on hold now for almost XXXX minutes, waiting to speak to a supervisor, as no one seems to know how to assist me with all the nonsense fees they keep adding to my account.
Consumer complaint received 2023-01-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Assured Financial LLC (TX)

On XX/XX/XXXX, I received a notice from XXXX XXXX XXXX stating that they are collecting a debt of {$3900.00} with XXXX XXXX XXXX for a service dated XX/XX/XXXX. 

I responded in writing on XX/XX/XXXX to XXXX XXXX XXXX stating that this is not my debt and that I had never been contacted by XXXX XXXX XXXX and have no evidence of the validity of their claim. 

On XX/XX/XXXX, I received a response from Assured Financial LLC ( a different entity than the initial notice ). Their response included a copy of the doctor report of a medical procedure that was done on me XX/XX/XXXX. However, there is no mention of XXXX XXXX XXXX nor any indication of the source of the alleged {$3900.00} debt. It's just a report made by the doctor describing the procedure. 

The response from XXXX XXXX XXXX had a notation " PAST DUE '' in large bold letters and threatened additional finance charges, additional notice of debt, negative credit reporting and/or legal action. However, nowhere on their response was there any indication of the source of this debt nor any proof that is was incurred. 

The response from XXXX XXXX XXXX was from XXXX XXXX XXXX. The address is listed as Assured Financial LLC XXXX XXXX XXXX XXXX XXXX, OK XXXX
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A. (KY)

XXXX XXXXXXXX XXXX withdraws monies from my credit card for their virus protection software. 
The 3 computers that were protected by this software have all been disabled. 
I now use a product called XXXX XXXX XXXX 

I called XXXX XXXX  XXXX and XXXX to have my automatic subscription cancelled. They assured me it was. 
It was not canceled! I called them again. I talked with XXXX XXXX. He assured me he would take care of it and gave me a conformation number : XXXX. 

I got another deduction to my credit card today for another subscription for the coming year. 
Can you help me get this stopped? 
XXXX
Consumer complaint received 2022-12-02
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX credit bureaus to validate this account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and update : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX 2015 Balance {$0.00}
Consumer complaint received 2023-04-03
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: Experian Information Solutions Inc. (NV)

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. 

XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXXK : 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

It was showing that I had to socials numbers merge accounts, so I had to prove my identity majority of the information was removed. After I prove my identity now its returned. Please fix the problem.