davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX  XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX : {$530.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX XXXX Inquiry : XX/XX/2022 XXXX XXXX XXXX Inquiry : XX/XX/2022 XXXX XXXX, XXXX XXXX Inquiry : XX/XX/2022According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-12-27
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: Experian Information Solutions Inc. (NV)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-09
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: Experian Information Solutions Inc. (IL)

I have had ongoing issues with incorrect credit card balance reporting by XXXX XXXX on my credit reports prepared by the three major credit reporting agencies ( XXXX, Experian, XXXX ). This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ), which requires furnishers like XXXX XXXX to properly investigate and correct inaccurate information after receiving notice of a consumer dispute from a CRA. 

Specifically, XXXX XXXX XXXX account ending in XXXX currently has a {$0.00} balance and an XX/XX/2023 statement balance of {$190.00}. However, the CRAs are reporting a balance of {$10000.00} as of XX/XX/2023, which does not match any of my account statements. XXXX XXXX XXXX account ending in XXXX has a current balance of {$2200.00} and an XX/XX/2023 statement balance of {$2400.00}, yet the CRAs are reporting a {$3200.00} balance as of XX/XX/2023, again unmatched to any statement. 

These inaccurate higher balances negatively impact my credit score and exaggerate my debt obligations. I have disputed the incorrect reporting multiple times, but the CRAs often just verify the inaccurate information as reported by XXXX XXXX. This violates 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires the CRAs to conduct a reasonable investigation when a consumer disputes the completeness or accuracy of information in their credit file. 

Despite my providing their own account statements showing the correct lower balances, XXXX XXXX has failed to correct the information they furnish to the CRAs, in violation of their obligations under 15 U.S.C. 1681s-2 ( b ). XXXX XXXX and the CRAs have continued to shift responsibility back and forth, leaving these inaccuracies unresolved. 

Therefore, I request that the CFPB investigate which party is responsible for the ongoing incorrect credit card balance reporting and ensure the information is fixed to comply with the FCRA requirements for accuracy and dispute investigation. The current reporting damages my credit standing and I seek your assistance in resolving this issue.
Consumer complaint received 2023-09-09
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: Experian Information Solutions Inc. (MI)

XXXX has been sending statements to wrong address since the loan exited forbearance in XX/XX/XXXX. I brought this issue to their attention on or around XXXX XX/XX/XXXX in CFPB Complaint XXXX. Moreover, I have tried to resolve this issue with data furnisher in prior instances because it has happened on other occasions over the past three ( 3 ) years. Each time data furnisher 's system randomly changes to a different address that I do not currently reside at when a single piece of mail may be accidentally returned or lost by USPS. Data furniser then resorts to skip- tracing WITHOUT verifying the accuracy of the addresses they use. When a piece of mail sent to that address returns, their system then randomly selects another address using skip-tracing, without verifying accuracy, resulting in a cascading effect even after the address is corrected by me. I have asked for XXXX to place this loan into an administrative forbearance and each time I've asked in phone conversation or in e-mail correspondence the request has been ignored.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights 15 U.S.C 1681 section 602A. 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 XXXX, Experian, and XXXX have refused to remove this account after submitting an identity theft report from FTC. XXXX, Experian, and XXXX has not furnished any documents for account validation after multiple requests. 

Account number reflects inaccuracy across XXXX, Experian, and XXXX Date Opened reflects inaccuracy across XXXX, Experian, and XXXX XXXX XXXX reflects inaccuracy across XXXX, Experian, and XXXX XXXX XXXX reflects inaccuracy across XXXX, Experian, and XXXX Date Last Active reflects inaccuracy across XXXX, Experian, and XXXX Date of Last Payment reflects inaccuracy across XXXX, Experian, and XXXX
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (FL)

On XX/XX/2019 I applied for a position with the employer XXXX XXXX XXXX XXXX they had me consent to a background check. Three days later I received an email from Checkr. They listed a Nole Prossed charge of leaving a scene of an accident and also stated that they have a nine year old charge of driving with a suspended license. So I called Checkr and spoke with XXXX with Checkr and filed a complaint to dispute these issue. I asked XXXX if she knows what Nole Prossed means and she stated No but she works at a background reporting company and is involved with reviewing peoples background reports. That is very scary and neglent. The worse part is damage is already done. They are exposing me to an employer and causing me to look bad. They have those two items on my report with clearly shouldnt be disclosed to any employer.
Consumer complaint received 2023-09-09
Product: Credit reporting 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)

This letter is regarding the account listed above, which you clam is a collection that i have with your company.I am requesting validation, made pursuant to the fair credit act section 605a 15 U.S. Code 1681C-1 Section 604 15 U.S. code 1681 b Section 605 b 15 u.s. code 1681 c-2 These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

After several attempts to send letters disputing inaccurate information on my credit report, I have not obtained a positive resolution to my dispute regarding inquiries. These inquiries do not serve any permissible purpose, such as a firm offer of personal credit, insurance, employment, or a court order. Therefore, I am within my rights to have a report with 100 % accurate information and within the parameters and rights granted to me by the FCRA. Additionally, I request detailed information on the verification method used for the investigation, including the date, time, and the name of the person with whom communication was conducted. I also request that you reconsider my dispute once again.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602A. 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 XXXX agreed to remove the account due to identity theft. But Experian refuses to remove nor have they furnished documents validating the account.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023 I deposited a business grant for XXXX from the county of XXXX XXXX. The grant was made out to my husband they forgot to put my name as well. I went in to Bank of America I endorsed they had no problem. Well the back office at BofA closed my account. On XX/XX/2023 the bank said they sent me out the funds and I should receive in XXXX days nothing ever showed up. Called again XX/XX/2023 BofA said they reissued another check for XXXX same thing XXXX receive in XXXX days. Well its now XX/XX/2023 no check. I called again and asked if the could overnight me or let me go into the branch to pick up my funds since my account has been closed since XX/XX/2023. Bof A stated they cant its their policy policy???? To hold the consumer or clients monies? I found it really hard to beileve? Im in complete violation with the county because when. I received the funds I had 60 days for grant to be spent??? And BofA is holding my money playing games.., I need help
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

A collection account listed under XXXX in the amount of {$310.00} is currently on credit report. I have no knowledge of such debt owed. My dispute is based on the fact that I have never received a legally required debt validation notice as required by the Fair Debt Collection Practices Act ( FDCPA ) Section 809, 15 U.S.C. 1692g. The FDCPA mandates that within five days of the initial communication with a consumer regarding a debt, a debt collector must send a written notice that includes : The amount of the debt.

The name of the creditor to whom the debt is owed. 
A statement that the consumer has 30 days to dispute the debt 's validity in writing. 
A statement that, upon receiving a written dispute, the debt collector will obtain and provide verification of the debt. 
A statement that, if the consumer requests the name and address of the original creditor, the debt collector will provide that information upon request. 

I wish to inform you that I have not received such a debt validation notice via mail or electronically from the collection company or any other entity. As a consumer, I have the right to request and receive this information to verify the validity of the debt in question.
Consumer complaint received 2023-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OH)

I applied for forgiveness under the limited waiver or to get an updated qualifying payment count on XX/XX/XXXX  and there has been no update. I have not been able to contact a live agent despite multiple, multiple attempts, and my payment counts have not been updated. I have also lost my job and need a recalculation of monthly payments and can't even get anyone to help me with that. My IDR application has also been processing for almost a year.
Consumer complaint received 2023-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I have had a Bank of America Credit Card since XXXX ending in XXXX. It was upgraded at some point to a Rewards Card. Then, at some point, I did not realize it, but Bank of America opened a second credit card for me in XXXX ending in XXXX and allowed my previous, original card to lapse XX/XX/XXXX. I only realized it when a replacement card came for the one in XXXX. I am furious about this. I did not give authorization for Bank of America to open a second credit card in my name. To make matters worse, I just saw there was a lawsuit against Bank of America for this very thing. What can be done?
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I have disputed with Experian several times via mail, internet and phone. They send me emails about the FCRA, and today XX/XX/2023 they sent me an email that my dispute results are ready from disputes I filed last month XX/XX/XXXX and XXXX 2023. Upon clicking on my results, it is still highlighted orange meaning it is still pending. It has been over 30 days, and according to the FCRA you have 30 days from the time a dispute is submitted to respond by verifying, updating or removing the said information. If you can not verify the information or complete an accurate dispute in 30 days, then you must delete and remove said items from the consumers credit report. It has been more than 30 days and no results just a bunch of emails. This is hindering my credit and my ability to secure housing and jobs. Please remove this information immediately
Consumer complaint received 2019-01-31
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

We are currently working on a refinance with another company. Rushmore services our current mortgage because XXXX  XXXX closed their mortgage division and rushmore took over the servicing of the loan. 

To complete our refinance, we needed a 24 month verification of mortgage ( VOM ). The company we are refinancing with, has completed everything else for the loan and has our borrower 's authorization on file, to communicate with rushmore. The refinance was supposed to close the XXXX of XXXX. 


Rushmore only sent a 12 month VOM when they should have sent a 24 month VOM. The company I am working with, XXXX XXXX, has called over a dozen times to Rushmore and been promised over and over the correct VOM would be faxed that day. This has gone on for nearly two weeks. These calls are all made on recorded lines and Rushmore continues to lie about faxing over the correct VOM by the end of business.

We have had many problems with Rushmore in the past, but this feels like they are lying and deliberately trying to make sure we aren't allowed to refinance. We were told by XXXX XXXX they have seen this problem with Rushmore with other borrower 's as well. We have had multiple problems with them in the past obtaining information about our mortgage. The customer service person always seems nice, but there is always a person above them that is supposed to do the work and never completes the task. You are never allowed to talk to that person and over a dozen calls and nearly two weeks and they have never completed one task they said they would.
Consumer complaint received 2023-12-23
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (TX)

Im contacting you in hopes that you can reach out to the lender on my behalf. I have been submitting income documentation since XX/XX/XXXX to the tune of XXXX documents. Multiple bank statements from 4 separate accounts ( business and personal ), multiple LES, child support orders and the support history from the OAG office and they still sent my application back again today stating they need more information. 

The dashboard does not state what information is missing. They make me call and speak to a customer service representative, who doesnt even work with the loan officer team. I have not been able to speak with any of the loan officers directly about my case and I truly believe that they are purposely delaying my application so that can cause my loan to go into a default status. 

They have kicked my application back at least 7 times in XXXX alone. I submitted the documentation for another expense on the XXXX XXXX XXXX statement I submitted back in XXXX that they just now requested along with a Payoff letter for the account and a letter of explanation all on the same day. I called XX/XX/XXXX to follow-up since I have not gotten a response on the status since the last documents were submitted XX/XX/XXXX and I was told nothing else is required. Now, yesterday XX/XX/XXXX they are saying they need another letter of clarification even though I provided that already. 

I have attached a screenshot with all the documents submitted to date since XXXX. I have also attached the documents from the expense they requested clarification on earlier this month. They told my VA rep they did not receive them per the emails that I attached, but you can see the date of submission is XX/XX/14 in the screen shot from their portal. 

My property mortgage pay-off balance is {$130000.00} is appraised at over $ XXXX, so I it's evident what they are trying to pull. 

I am veteran. This is intentional and discriminatory. They are denying me a fair opportunity to modify my loan under the VA protections against foreclosure and to lower interest and they are purposely trying to delay my application until the program expires. My income qualifies for a $ XXXX loan modification and I have proven that XXXX times over.