davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

GOOD MORNING! - Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2022-11-07
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TX)

I initially spoke with my mortgage company ( XXXX XXXX ) on XX/XX/2022 to discuss options because I missed my XXXX mortgage payment where they advised me to seek help from multiple resources. I took that advice and consulted with a HUD housing counselor to discuss options and to receive guidance. On XX/XX/2022 I spoke with the counselor and gave detailed review of my situation, and he noted that I would qualify for CARES Act XXXX forbearance since I have a pandemic related financial hardship. We reviewed all of the guidelines and requirements and said that all I would need to do is contact my mortgage company and request the XXXX forbearance without having to fill out an application or submit any paperwork. I called them on XX/XX/2022 and requested the XXXX forbearance, and they told me that I needed to go to a website and apply for forbearance and that it would take up to 30 days after they receive everything to review and decide whether to approve the forbearance. I tried to explain that the pandemic has not ended so I shouldn't have to apply like in a general forbearance and gave me a website to register and apply/upload documents. I called the HUD counselor to verify if this is true and he encouraged me to make a complaint based on the fact that the mortgage company is not complying with the rules stated in the CARES act. 
I am currently behind on my mortgage payments for XXXX ( {$2300.00} ) and will be behind on XXXX 's payment on the XXXX ( {$2300.00} ). 

**From the VA website- Through the end of the nationally declared emergency, you can make an initial request for XXXX forbearance. VA expects your mortgage company to approve your request, for up to six months. VA also expects that, if you need additional forbearance after that, your mortgage company will approve, at your request, an additional XXXX forbearance for up to XXXX months.
Consumer complaint received 2020-09-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I phoned in XXXX, again in XXXX and later in XXXX with no help. 

customer service would not help and take care of the negative inquiries reporting to my credit report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Ih Mississippi XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX there are two with in 3 days. I only authorized one of these.
Consumer complaint received 2023-06-01
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)

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATED all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please update this account : XXXX XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$14000.00}
Consumer complaint received 2021-09-17
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. (AL)

I recently submitted a complaint to Experian about a data furnisher would never responded to my original dispute. In the complaint I detailed the event and also explained how Experian had been in violation of FCRA code for allowing an account to remain on my report that had inaccuracies. The account I disputed showed an updated status date of XXXX, when in fact, my dispute letter went out to XXXX  in XXXX of XXXX. XXXX  responded with a general message, saying that they would conduct further investigation and contact the original data furnisher about the case. Shortly after receiving their updated response through the CFPB portal, I received an email from Experian saying that my dispute results were ready. From my understanding, Experian did not in fact re investigate my situation, ( another violation grounds for automatic deletion ). They simply updated the status to XX/XX/XXXX. I'm furious as to how things like this are acceptable within this industry. How is this company allowed to control such things that directly affect the livelihood of consumers? I want the XXXX XXXX information deleted from my account for lack of proper investigation on a dispute by Experian, & failure to respond to a dispute within 30 days by XXXX.
Consumer complaint received 2022-12-14
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX  XXXX Balance : {$360000.00} XXXX XXXX Balance XXXX {$1200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$14000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-12-12
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. (FL)

In accordance with the fare credit reporting act XXXX account # XXXX, have violated my rights. 
15 usc 1681 section 602 states I have the right to privacy.

15 usc 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card under a open end consumer credit plan as late for purpose.
Consumer complaint received 2020-09-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd (FL)

I unknowingly, and mistakenly got charged {$780.00} from the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX.I found out when a woman from XXXX XXXX XXXX called & told me.I told her I was in that XXXX & gave XXXX  to a XXXX  I regrettably gave up for XXXX.The bill was for the babies care, I was already discharged, so the adoptive parents were responsible for the bill, and if they couldnt get in contact with them, the baby had XXXX when she was born because I qualified for it due to XXXX.I gave her 2 different parties responsible for that bill, and I wasnt 1 of them. I  thought it was over, I provided her with enough information to take me out of the process.She ended up calling harassing me every single day, then I started getting calls from a man.He threatened me & said The XXXX XXXX County Sheriffs were on their way to my house to arrest me for some kind of legal judgment signed by a judge, Something to that effect, if not exact words. When that didnt pan out, a week later I got another call from him, yelling, and swearing at me.Here I am,5yrs later, still dealing with them.The same exact {$780.00} bill was put on my credit report, with the same exact account number blatantly listed right on it 7 different times.Ive been fighting this for 2yrs. since the day I noticed it, and was just defeated by them again! I disputed it on XXXX  and their fix was to take 3 duplicates off & make 1 a lower amount of {$400.00}, and left 3 there.I just read the paragraph below this.You can publish this, but I dont know if anybody can learn anything from this, except to keep monitoring your credit report because God only knows how long these 7 charges that arent even mine were there.I just started learning about how to start fixing it. People are very nasty, and they will try and get away with whatever you allow.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF THE WEST (CA)

I received the attached letter from Bank Of the West ( BOW ) on XXXX Tuesday, XX/XX/XXXX. The letter threatens to close my accounts if updated contact information is not provided. 

My XXXX XXXX  of my account and contact information shows it to be current. 

I have spoken to the person referenced in the letter, XXXX XXXX ( XXXX ). XXXX had no information and knew nothing about the letter. XXXX referred me to the XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX ) ( XXXX ). XXXX XXXX knew nothing about the letter. XXXX XXXX stated that he would have the regional XXXX XXXX XXXX ( XXXX ) call me that day ( Wednesday XX/XX/XXXX before XXXX  ). I received no call from XXXX and to date have received none. I was provided contact information for XXXX XXXX ( XXXX ) who is said to be XXXX ' supervisor. I called XXXX ( XX/XX/XXXX ) left a message describing the situation and to date have heard nothing. 

The letter ( attached below ) states that my account will be closed XX/XX/XXXX if I do not contact the Bank. 

A very similar letter was issued to me a couple years ago. I was able at that time to speak with XXXX. XXXX stated that the bank had issues with my banking withdrawals, but refused to elaborate or explain their issues. During the conversation with XXXX, I suggested that some of the BOW questions regarding my banking transactions seemed to be XXXX  driven as the transactions in question were for both XXXX names, XXXX being " XXXX '' and XXXX being " XXXX '' while regular transactions of " XXXX '' " XXXX '' and " XXXX '' were not questioned at all and were of lesser amounts. When I suggested to XXXX that this appeared to be some kind of XXXX XXXX, she became very agitated and stated that our conversation was over and there was no XXXX XXXX for my complaint. The closure threat was terminated with no explanation, or apology or further contact from the bank. 

The bank states in the letter that they were " ... ... ... .unsuccessful in our multiple attempts to contact you .... '' I received no notices from XXXX, they have my phone numbers and my email address. 

I am so frustrated that a " legitimate '' financial institution can/would issue a letter that no one in the organization has any knowledge about and there are no notes attached to my accounts. AND there has been no response of any kind after I am sent a letter threatening to close my accounts. 

XXXX XXXX
Consumer complaint received 2022-07-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My wife was scammed on a telephone call. She was prompted to transfer funds from our saving account via XXXX to an unknown account ( was told this was to secure the funds ). 
XXXX $ was transferred. The bank did not notify us to check if the transfer was legitimate. We feel they have a responsibility to make sure transfers of this amount are indeed legitimate. Thanks for any help you can give.
Consumer complaint received 2023-03-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-06-01
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: EQUIFAX, INC. (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report. I have placed multiple disputes and complaints, and police reports with these companies, but these companies continue to show neglect by refusing to remove the accounts. These companies are continuously unreasonably halting commerce and have damaged my relationship with other creditors and have hindered my ability to obtain certain licenses with the state. This is a recurring problem that needs to be rectified. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items. If the accounts are not removed a federal charge will be filled against the following companies " XXXX XXXX, XXXX XXXX CONSUMER DISPUTE CENTER, EQUIFAX, XXXX ". This charge may lead to a lawsuit. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-22
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company (UT)

XX/XX/2020, I filed complaint number XXXX regarding inaccurate credit bureau reporting and erroneous crediting of payments. XX/XX/2020, I received a response from XXXX XXXX XXXX, Director of Customer Service Freedom Mortgage. In response, Mr. XXXX declared the following. " This will report your account as current for these months when we next report to the credit bureaus, which is currently scheduled for XX/XX/2020. '' On XX/XX/2020, I received a notification from XXXX  my credit score had increased 100 points due to Freedom Mortgage rectifying their erroneousness. 
On XX/XX/2020, I received a notification from XXXX  my credit score had decreased by 101 points due to Freedom Mortgage re-reporting the same errors they had just rectified. 
At this time, XX/XX/2020, XXXX  is reflective of Freedom Mortgage, rectifying their errors. However, I am sure if Freedom Mortgage follows past practices, the score will drop any day. 
At this time, XX/XX/2020, XXXX  still reflects 3 30 day late payment reports.

I have been dealing with Freedom Mortgage for almost ten months regarding their incompetencies, empty promises, and spin.

I am trying to refinance my loan with my credit union. However, I am unable to due to Freedom Mortgage incompetencies. The irony is I am receiving unsolicited offers from Freedom Mortgage to refinance. 
I am notifying the Utah State Attorney Generals office of Freedom Mortgages ' incompetence and disregard for reporting accurate, factual information to the Fair Credit Reporting Act or F.C.R.A. 
If this requires an alternate venue for Freedom Mortgage to correct the failure, I am more than agreeable to pursue that possibility.
Consumer complaint received 2021-02-04
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: Forest Recovery Services LLC (FL)

On XX/XX/2020 I made contact with Forest Recovery LLC, about a debt that says I owe them {$3300.00}. In my letter I ask them to validate the debt they are saying I owe them and they couldn't. Ive given them enough time to respond and I am at the point where I'm about to take legal action against them for misuse of credit reporting as well as, a violation of the 4th amendment, violation of HIPPA. According to FCRA you are not to report a debt unless it has been validated and they could not validate them debt being reported on my account. I am giving 15 days to remove this invalidated debt from my credit report or I will file charges against them per my rights
Consumer complaint received 2022-12-14
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. (FL)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I went to an ATM to withdraw money but the ATM told me that the account was blocked. I went into the bank on XX/XX/XXXX I went into the bank and the bank telller told me that there had been a withdrawal of XXXX USD on XXXX XXXX and paid some bills on XX/XX/XXXX. I said that my last transaction was on the XXXX of XXXX and that said that I did not recognized these transactions on the XXXX. 

They said that EDD had frozen my account because of security reasons. I have gone into the bank account many times. They said that my card was blocked now and that they would send me a new ATM card, they did. I called to activate my new card. However, now with the new card which is already activated I went to the ATM and tried to access to my account however it says that is still blocked. I have called repeatedly to the bank and they say that it is blocked because the Employment Development Department of California blocked the account because of the fraud. I have made numerous attempts with both the EDD and Bank of America to get my account unblocked but with no success. They each tell me that the other one has to do something. 
The claim number XXXX. 

I am a senior who does not speak english. I have XXXX and my children have XXXX. I need help to access my money. Please help me.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.