davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-07
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)

I had my wallet stolen and subsequently noticed charges that I did not initiate on my XXXX XXXXXXXX credit card. I called XXXX XXXX to let them know of the fraudulent transactions and was told to file a police report and go to identitytheft.gov, which I did. ( See Attached ). I sent copies of the police report and the identity theft report from the FTC to XXXX XXXX but, they never removed any of the fraudulent charges. XXXX XXXX continued to demand payment from me on the fraudulent charges and I was struggling with a XXXX child so I was unable to make the payments and XXXX XXXX started reporting late payments on my credit reports and charging me late fees. After some research, I found out that the person who stole my identity was caught, jailed, and forced to pay XXXX XXXX over {$19000.00} in restitution for fraudulent charges. XXXX XXXX is trying to double dip and get payment from me for these fraudulent charges and the person who stole my identity as well.I submitted this information to the CFPB last year and all 3 credit bureaus removed the XXXX XXXX account but, a few months ago Experian started reporting the fraudulent XXXX  XXXX account again.
Consumer complaint received 2022-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am a victim of identity theft. I learned that my personal information was illegally used to open an account. The perpetrator ( XXXX XXXX ) of this illegal act is currently in XXXX for this very crime. I did not open or authorize this account, and I, therefore, request that it be closed immediately. I also request that the company absolves me of all charges on the account and that you take all appropriate steps to remove information about this account from my credit files. 

Your company did an investigation into my identity theft claim and determined that this specified account was valid for several reasons and that I was liable for the following reasons : Identification information provided at the time of the application verified as belonging to me ; - The address listed on the application was verified as belonging to me ; ( Original Creditor ) has no record of returned mail or statements from the address verified as belonging to me ; - The credit card was mailed to my address ; - Several payments were received from a debit card and ACH checking account in my name. 

The reasons provided are circumstantial and your investigation neglected to account for the fact that the person who stole my identity was XXXX while I XXXX in the military which gave him access to : - Said identification information that was provided at the time of the application ( which was not authorized ) - The address verified as belonging to me and listed on the application is my address and is currently my address to date. ( The perpetrator XXXX while I was XXXX, which means he resided at my address ) - XXXX returned mail or statements from the address ( why would the perpetrator return the mail that he was trying to steal. ( He was trying to utilize my resources ) - The credit card was mailed to my address ( He was house-sitting, he was at my address, so he received the mail ) - Several payments were received from a debit card or ACH checking account in my name ( the perpetrator house sat for me, and had access to sensitive information, passwords to my computer which gave him access to my bank account information. )
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mail code XXXX, XXXX LA XXXX This was a lease for a XXXX  XXXX. XXXX was involved in an accident, total collision. My Insurance company, XXXX XXXX, sent XXXX reimbursement check. XXXX stated there was a residual amount of {$1.00}, XXXX. I paid this amount accordingly, 2 years ago!!! Now, XXXX has erroneously reported it as a Charge OFF. I contacted XXXX, they have NO EVIDENCE or account information available. 

How are they allowed to report negatively on an account that has no evidence? 
This is impacting me negatively and financially.
Consumer complaint received 2022-06-07
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)

I had my wallet stolen and subsequently noticed charges that I did not initiate on my capital One credit card. I called Capital One to let them know of the fraudulent transactions and was told to file a police report and go to identitytheft.gov, which I did. ( See Attached ). I sent copies of the police report and the identity theft report from the FTC to Capital One but, they never removed any of the fraudulent charges. Capital One continued to demand payment from me on the fraudulent charges and I was struggling with a newborn child so I was unable to make the payments and Capital One started reporting late payments on my credit reports and charging me late fees. After some research, I found out that the person who stole my identity was caught, jailed, and forced to pay Capital One over {$19000.00} in restitution for fraudulent charges. Capital One is trying to double dip and get payment from me for these fraudulent charges and the person who stole my identity as well.I submitted this information to the CFPB last year and all 3 credit bureaus removed the Capital One account but, a few months ago XXXX started reporting the fraudulent Capital One account again.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mail code XXXX, XXXX LA XXXX This was a lease for a XXXX  XXXX. Auto was involved in an accident, total collision. My Insurance company, XXXX XXXX, sent XXXX reimbursement check. XXXX stated there was a residual amount of {$1.00}, XXXX. I paid this amount accordingly, 2 years ago!!! Now, XXXX has erroneously reported it as a Charge OFF. I contacted XXXX, they have NO EVIDENCE or account information available. 

How are they allowed to report negatively on an account that has no evidence? 
This is impacting me negatively and financially.
Consumer complaint received 2022-06-07
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. (NJ)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-09-22
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: EQUIFAX, INC. (IL)

Equifax claims to offer an online dispute tool that hasnt functioned properly between XXXX and XXXX of 2022. I have used multiple file extensions from PDF to JPEG to PNG and nothing will upload in this tool even though on my end it sometimes says it has. After multiple disputes and multiple calls I came to find out nothing has even uploaded or been submitted at a supporting document for my disputes. Additionally one of the disputes has taken well over 30 days to complete and is still showing as being investigated. I have received no help from Equifax. Additionally they are now asking to have government IDs and proof of address mailed to them as proof of who I am in a dispute when they have had me verify who I am a number of different ways and claim to be mailing me information to the correct address. It doesnt seem they are able to carry out the functions of a credit reporting organization.
Consumer complaint received 2022-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

I submitted a Loan modification. I have been going back and forth for months. They bank asked me for updated bank statements weeks ago which was sent on XX/XX/31. Today they advised that they want business bank statements. This is the first time they asked for business bank statements which I do not have and I told them this verbally. Now they are stating it is within 37 days of my sale date and they will not review my file. This is beyond unfair the way these servicing companies treat customers in default. They find ways around reviewing files with the 37 day rule. They request documents over and over again and once they have them they decide to add in an additional document that was never asked for in the past. If they needed business bank statements they could have asked months ago for it. Instead they waited until the file was finally complete and then they ask for the additional documents for the first time.
Consumer complaint received 2022-09-22
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a Police Report and Fraud Affidavit for the erroneous items on my credit report. 

2 Erroneous items XXXX XXXX XXXXXXXX  Paid/Never Late, that speaks volumes to who I am. 

The bureaus have violated FCRA and have NOT performed an Investigation and they have NOT provided me with one piece of tangible proof, signatures, agreements that these two erroneous accounts belong to me, because they can't provide documentation. 

Delete these erroneous accounts immediately and it's your duty to put the bureaus on notice that this behavior goes against FEDERAL laws. 

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
Consumer complaint received 2022-09-22
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 — Problem with personal statement of dispute
Company: Kimball, Tirey & St. John LLP (CA)

I have a Police Report and Fraud Affidavit for the erroneous items on my credit report. 

2 Erroneous items XXXX XXXX XXXX, Paid/Never Late, that speaks volumes to who I am. 

The bureaus have violated FCRA and have NOT performed an Investigation and they have NOT provided me with one piece of tangible proof, signatures, agreements that these two erroneous accounts belong to me, because they can't provide documentation. 

Delete these erroneous accounts immediately and it's your duty to put the bureaus on notice that this behavior goes against FEDERAL laws. 

XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX ( {$270.00} ) ( XX/XX/XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$2500.00} ) ( XX/XX/XXXX ) - XXXX
Consumer complaint received 2023-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (AR)

I mailed 2 letters to Ability Recovery Services , LLC requesting that either they provide me with proof of this collection account on my XXXX credit report or remove it immediately and stop all collection practices. I gave them 30 days from XX/XX/2023 and 30 days from XX/XX/2023 to send me full details of this debt including my signature on their application or contract agreeing to do business with Ability Recovery Services LLC or any of its affiliates. They did provide me with a responses from either letter nor did they cesse collection practices. They continue to report inaccurate information to the credit bureau XXXX every month as if I have an agreement to do business with them when in fact that I do not. Attached is a proof of receipt of my letter from the USPS.
Consumer complaint received 2022-06-07
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. (NJ)

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 XXXXXXXX, has violated my rights. 
XXXX XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX  XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX  XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX  XXXX XXXX XXXX # XXXX, has violated my rights XXXX  XXXX XXXX XXXX # XXXX, has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights XXXX XXXX XXXXXXXX XXXX # XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SERVICEMAC, LLC (NH)

I recently submitted a complaint about ServiceMac LLC to the CFPB. They reported to the CFPB that they have responded to the complaint, but they lied to you. I have received zero correspondence from ServiceMac , LLC since submitting the complaint. 

The original complaint is XXXX. Again, I have received no correspondence from ServiceMac , LLC yet they have reported to you that it has been resolved.
Consumer complaint received 2022-06-07
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)

In accordance with the Fair Credit Reporting Act, 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 XXXXXXXX XX/XX/XXXX, has violated my rights.

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the following items. 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 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (TX)

My XXXX  credit report is showing a late payment in XXXX 2021. My Bankruptcy was filed in XXXX 2021 and this account was never late up to the date of the XXXX filing. 

CBNA is reporting this on my Home Depot card account and my CITI Card account
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: MST Financial Services, L.L.C. (ID)

I submitted two disputes online, one on XX/XX/XXXX and the second on XX/XX/XXXX to the credit bureaus. My rights have been violated by not doing a fair and complete investigation on these accounts and by not notifying me with the results. 

Two accounts on my credit report increase the balance every month. 
XXXX Account # XXXX Chapman Financial Account # XXXX XX/XX/XXXX, XXXX balance increased by {$1.00} XX/XX/XXXX Chapman Financial Increased {$7.00} XX/XX/XXXX XXXX increased {$1.00} XX/XX/XXXX Chapman increased {$8.00} XX/XX/XXXX Chapman increased {$9.00}, XXXX increased {$1.00} XXXX XXXX is also showing a payment was made on XX/XX/2016 when I have never verified this account nor made a payment to them. 

I don't believe the balances should be changing as these are collection companies, not original creditors. They are also showing a past due balance, when they are collection agencies and should not be reporting past due balances as I have never had an agreement to make a payment with them so how can something be past due?
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Dispute was submitted by mail XX/XX/2022 but response was not received. One account with {$0.00} balance has not been updated. Since it has been past the 30 days, the late payment must be removed.
Consumer complaint received 2022-06-07
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. (NC)

XXXX Credit Report is reporting inaccurate, unverifiable information on my XXXX and Experian credit reports and are in violation of Federal Law. 

They are listing an account on my XXXX report as XXXX XXXX XXXX with an address listed as " XXXX XXXX XXXX, XXXX  XXXX ''. The account in question is showing up as a {$3300.00} charge-off, and is reporting a balance of {$2600.00}. 

On my Experian credit report, this same account is being reported as XXXX XXXX XXXX with an address listed as XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. It is also showing a balance of {$2600.00} while simultaneously being reported as a {$3300.00} charge-off with an original balance of {$4200.00}. 

Not only are they reporting conflicting information for the same accounts, their reporting is down right contradicting each report on both XXXX and Experian. Their reporting is also illegal, and is a direct violation of Federal Law which states that inaccurate, incomplete, and or unverifiable information MUST be deleted from my consumer credit reports. 

In addition to the violation I've mention above, XXXX XXXX XXXX is also in violation of 15 USC which explicitly states that upon receipt of a consumer dispute, they must follow out the laws spelled out below : 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

XXXX XXXX XXXX violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the negative tradeline from my Experian and XXXX credit reports. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.