davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. 
I initially got in touch with XXXX XXXX XXXX XXXX about inaccurate reporting multiple times but they responded by saying there was nothing they could do about it. The account was totally paid for as agreed, and is even closed now. 
Additionally, I reached out to the credit bureaus individually who later reached out to XXXX XXXX XXXX XXXX, and still could not resolve problem. I am not saying they are right or wrong, I am just saying that they are not XXXX percent correct for sure and that is evident in the INACCURATE AND DIFFERENT REPORTING to all 3 bureaus ( as listed below ). I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the data being reported on some of my accounts, was totally inaccurate and that is why I am writing to you all. Upon initial request, they could not provide proof and as such, these INACCURATE LATE PAYMENT reported on my credit reports must be DELETED. 

Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Paid Account with reported Late Payments : XXXX XXXX XXXX account Reported late Payments INACCURATELY and DIFFERENTLY across all the 3 credit bureaus as seen below ; On Transunion ( Inaccurate 7 late payments reported ) in 2021 - XXXX - 30 days late, XXXX 30 days late, XXXX  60 days late, XXXX  30 days late, XXXX 90 days late, XXXX 60 days late, XXXX 30 days late On XXXX ( Inaccurate 7 late payments reported ) in 2021 - XXXX - 60 days late, XXXX  60 days late, XXXX 90 days late, XXXX 60 days late, XXXX 120 days late, XXXX  90 days late, XXXX 60 days late On XXXX ( Inaccurate 7 late payments reported ) in 2021 - XXXX - 30 days late, XXXX 30 days late, XXXX  60 days late, XXXX 30 days late, XXXX 90 days late, XXXX 60 days late, XXXX  30 days late Please investigate if every piece of information is correct on the reported late payment history. 
I also read where I can get the updated report after you investigate could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area.
Consumer complaint received 2015-09-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alliance One, Inc. (AZ)

Company reaged debt and made my credit score plummet without my authorization. In addition, i have tried multiple times to see what debt this is and every time i call them they can not locate my debt. Soemthing is severely wrong here! 

ALLIANCEONEXXXX XXXX XXXXXX/XX/XXXXOpen $ XXXXAccount DetailsLast Reported XX/XX/XXXXCollection Agency ALLIANCEONEOriginal Creditor XXXX XXXX XXXXStatus OpenOpened Date XX/XX/XXXXClosed Date -- Responsibility IndividualBalance $ XXXXHigh Balance $ XXXXRemarks Account information disputed by consumer, meets FCRA requirementsCreditor Contact DetailsALLIANCEONE REC MGMT XXXX XXXX ( XXXX ) XXXXSee something wrong? 
Learn more about how to dispute items on your credit report.
Consumer complaint received 2015-10-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (AZ)

In 2010 I broke a lease with XXXX XXXX Apartments. I was wage garnished, and I paid XXXX for breaking the lease and XXXX for the damages and repairs. I have court documents that support the debt was legally sold to ( XXXX XXXX XXXX ), and paid in full. In XXXX of 2010 I applied for a home and was denied because I " supposedly '' owed I Q Data International, for the same debt that I already paid. I sent them the legal documents, and reported them to the credit bureaus, but the debt is still on my credit. I would like it removed because it should have never been on my credit XXXX. If anyone else is having this issue I want to join a class action suit, or maybe we can start one. XXXXXXXXXXXX I attached court documents that prove I have paid the debt, I also included directly from my XXXX Credit report the page where the debt comes up XXXX, with a XXXX dollar difference.
Consumer complaint received 2016-08-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

On several occasions I have contacted Experian Information Solutions, INC in regards to some allege debt that has been reporting on my credit report as derogatory or negative items. I request on many occasion that this credit bureau validate the allege debts but I have never receive any evidence of verified debt from original source. The credit bureau is supposed to request verifiable proof not partially but in whole according to federal law. The law requires the bureau to only report the negative item if they have 100 percent verifiable proof in regards to the negative item that they are reporting. The credit bureau is supposed to get the original contract along with other documents from the original creditors and within 30 days provide the information to me. Experian is reporting a XXXX XXXX account on my credit report that belongs to someone with a similar name. I sent the proof that the account was in someone else name to Experian yet Experian fail to investigation this. I have valid proof that the account belong to someone else. Also Experian is reporting XXXX XXXX XXXX which is not mine. Recently I sent a notarized letter via USPS tracking to Experian to have these negative information investigated. I also sent proof that the XXXX XXXX XXXX account is not mines, but Experian response by stating that they are not investigating this. The other XXXX credit bureaus have acknowledged that this alleges XXXX XXXX XXXX and XXXX XXXX XXXX accounts does not belong to me and they have deleted these items from my credit report. Experian fail to provide me with require information that these allege debt are 100 percent accurate, Experian still reports these negative information on my credit report. Also I have received letters from Web Bank stating that they ca n't validate the allege debt but this negative item is still being reported on my credit files. Experian needs to provide legitimate validation and fulfil their legal obligation by investigating the disputes. Experian is supposed to exercise their responsibility with fairness, impartiality and respect for all consumers. Experian never state how these allege debt was verified, whether by mail, by email, by fax, or by telephone. Experian is violating the Fair Credit Reporting Act, The Fair Debt Reporting Act, and other federal consumer protection laws. Verifiable proof not partially but in whole is required by federal law, and negative items are only supposed to be reported when you have 100 percent verifiable proof. Now Experian continue to report negative items on my credit report and fail to provide me with 100 percent accurate, legitimate validation of allege negatives that they are reporting on my credit.
Consumer complaint received 2023-01-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion has sent me 12 letters in regards quote : TO PROTECT ME THE CONSUMER THEY CANT GRANT ME DISPUTE REQUEST TIL NI SEND THEM PROPER IDENTIFICATION there XXXX  and responses are frivilous I sent them Passport State ID and Copy Of My Bank Statement as well attached again with this CFPD Complaint since I have 22 open complaints against XXXX XXXX TransUnion at CFPB lack of responsabilitys to enforce I am asking all 22 open cases to be closed as I have exhausted myself with this XXXX XXXX XXXX XXXX XXXX agency CFPB and exerciscising my right with Attorney to represent me, attached is my last of many open complaints here AGAIN FOR THE RECORD PASSPORT STATE ID AND BANK STATEMENT ( TRANSUNION JUST GOT ADDED TO THE LAWSUIT ) CFPB PLEASE BE ADVISED IAM GATHERING INFORMATION TO SEE IF I CAN ADD AS WELL you have closed and responded many and tagged it as duplicate THESE 3 CREDIT BUREUS AS WELL AS ME XXXX XXXX XXXX XXXX XXXX AND THESE 3 IN REGUARDS NO HOW TO MANIPULATE YOUR SYSTEM the attached is AGAIN proof that TransUnion as well XXXX responses are not alone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhey can do what ever there hart desires CFPB YOUR NOT AT ALL HERE TO PROTECT US YOUR JUST A MIDDLE PERSON PROVIDING PUBLIC INFORMATION were investigating if your even publishing this XXXX SEE ALL LIABLE IN COURT MARK MY WORD
Consumer complaint received 2023-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (SC)

We have made multiple attempts to verify employment with Mohela for the XXXX and it continues to show employment not certified. 

We have contacted them directly, refaxed multiple times as requested and still no employment verification as been completed. This has been on going since XXXX of 2022.
Consumer complaint received 2023-01-05
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: Experian Information Solutions Inc. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-12-27
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS (FL)

I REFINANCED MY HOME THROUGH ONE TRUST HOME LOANS IN XXXX. THEY FAILED TO ESCROW SUFFICIENT FUNDS TO COVER MY PROPERTY TAXES AND HOMEOWNERS INSURANCE FOR 2017. CLOSING DOCS SHOW THAT A PAYMENT IN THE AMOUNT OF {$710.00} SHOULD HAVE BEEN MADE TO PAY PROPERTY INSURANCE. PAYMENT WAS N'T MADE AND I CA N'T FIND OUT WHERE THAT MONEY IS. ONLY 6 MONTHS OF FUNDS WHERE ESCROWED TO PAY PROPERTY TAXES, PROPERTY APPRAISER WILL NOT ACCEPT PARTIAL PAYMENT AND THE CHECK WAS RETURNED TO THE TITLE COMPANY. I CAN NOT FIND OUT WHERE THAT MONEY IS AND WHY TAXES FOR THE ENTIRE YEAR WERE NOT ESCROWED. WHEN I QUESTIONED THE AMOUNT AT THE TIME OF CLOSING I WAS TOLD THAT EVERYTHING WAS COVERED. I WAS ALSO TOLD THAT THE ESCROW REFUND FROM THE PAID MORTGAGE WAS MINE, AT NO TIME WAS I TOLD THAT I WOULD BE RESPONSIBLE FOR 6 MONTHS OF MY PROPERTY TAXES. IT IS MY UNDERSTANDING THAT IF THE PRESENT MORTGAGE COMPANY HAS TO " LOAN '' ME THE FUNDS TO COVER PROPERTY TAXES AND INSURANCE THEY WOULD THEN HAVE TO RAISE MY PAYMENT IN EXCESS OF $ XXXX A MONTH, MONIES THAT I CAN ILL AFFORD. I WANT XXXX TRUST TO CORRECT THEIR ERROR AND GIVE ME THOSE FUNDS THAT ARE NOT ACCOUNTED FOR, THE {$710.00} THAT WAS SUPPOSED TO BE PAID FOR INSURANCE AND NEVER WAS AND THE 6 MONTHS ESCROWED FOR PROPERTY TAXES THAT WAS RETURNED TO THE TITLE COMPANY AND THE 6 MONTHS OF MONIES THAT WERE NOT ESCROWED TO COVER PROPERTY TAXES.
Consumer complaint received 2016-12-19
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

As part of a divorce settlement my wife assumed responsibility for three credit card accounts that had been opened under my name and SS #. All the accounts were in good standing at the date of this transfer ( XX/XX/XXXX ) with no history of late payments. Unbeknownst to me, my ex went to XXXX to renegotiate the interest rates and payment amount on all three accounts. She was successful, but somehow in the transition from normal status to the credit arrangement with XXXX a series of late payments were reported by the creditors against my credit history. There were a total of eight 30 day late payments reported in a 90 day period. These should not be reported against my credit history since I was no longer legally responsible for the payment on these accounts. My attempts to get this corrected have been unsuccessful. I have complained to the credit reporting agencies, to XXXX and to the creditors directly, all to no avail. These late payments are being wrongfully attributed to me and it has had a ruinous affect on my credit rating. As a consequence I can not rent property or attain any credit at all except at the highest interest rates.
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

XXXXI have never had an account with this company BANK OF AMERICA XXXX REMOVE from all credit agencies from reporting. 
XXXX.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) XXXXThis letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication XXXX.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are BANK OF AMERICA the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) XXXXI am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) XXXX.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

XXXX.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
XXXXAs mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) XXXX.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

XXXX.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) XXXX. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2016-08-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was working on a shortsale with Bank of America on my home that I could no longer pay. I hired a licensed real estate agent and they got me a shortsale approval then Bank of America could n't find the XXXX mortgage and when we finally figured out a resolution bank of america foreclosed on my home even though it was in active review. We had confirmed with the negotiator that the sale date was on hold a day previous to them foreclosing on me. I did everything the bank requested. I turned in paperwork and have been completely cooperative and now I feel like I was done an injustice.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I have tried over 12 times in the past 2 years to have these removed from my credit report because these are not mine and have never been the companies just answer back with a generic it is yours so we are not changing it but they are not listening to me at all.
Consumer complaint received 2023-01-05
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. (WA)

XXXX  acct # XXXX Balance : {$10000.00} XXXX  XXXX  acct # : XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX acct # : XXXX XXXX XXXX XXXX Balance : {$8200.00} 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. 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 a 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 2023-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (MA)

On XX/XX/XXXX I scheduled a payment from my Citibank Online checking account to pay my Citibank XXXX balance of {$1200.00}. 
At first, I scheduled it to happen on XX/XX/XXXX, but then decided I wanted to change it to XX/XX/XXXX, and changed it online. 
I then received XXXX emails from Citibank : one showing the payment confirmation for XX/XX/XXXX, and another showing a scheduled payment for XXXX. So I called I immediately called the number on the back of my Citibank XXXX, and was ASSURED by the person I spoke to that there would only be one deduction, not two. 
When I checked my account this morning, I found that in fact the {$1200.00} was deducted twice. 
I called the Citibank card number again, and was told that the credit card department could only offer me a credit towards my future balance, or mail me a paper check. I'd like that money back now, and hoping you can help.
Consumer complaint received 2015-10-15
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I spoke with XXXX XXXX around XXXX XXXX XXXX XXXX on XXXX/XXXX/2015. They called to resolve a debt that I have with a XXXX Credit card. I agreed to pay XXXX installments of {$180.00} on starting on XXXX/XXXX/2015 followed by XXXX more payments taken out on XXXX/XXXX/2015 and the last payment on XXXX/XXXX/2015. I agreed to terms and hung up the phone. Later the same night I received an alert from my bank that a transaction was declined of {$180.00}.
Consumer complaint received 2023-01-05
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: Experian Information Solutions Inc. (NY)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2017-02-10
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America ( BoA ) continues to refuse to accept my payments. On two separate occasions they have refused to accept online bill pay checks drawn from XXXX XXXX XXXX XXXX ( XXXX ). XXXX reports that the checks were reportedly returned because BoA was unable to determine the account number. This assertion is false on its face. Each check contained my full name and and either the full account number or a redacted version. See the attachment to this message, a threatening letter from BoA, that includes a payment coupon which only references my name and a portion of the account number. As you can see, its explanation lack substance. Upon information and belief, BoA is refusing to accept my payments in order to assess unlawful late penalties. In a third payment attempt, on XX/XX/2017, I paid the balance in full at the site XXXX. It is unclear if BoA will process this payment. If so, this should conclude that matter. All late payments must be refunded and my balance XXXX. Any and all derogatory information reported to credit agencies must be recalled and corrected. Thank you. 
Very truly yours, XXXX XXXX