davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-29
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. (NC)

This is to inform you that I XXXX XXXX XXXX am submitting this complaint and report of ID theft on my behalf there is no third party involved in this complaint. The following was not submitted in error. This is complaint is not to be opened as a dispute of any kind there has been no error made by the documents contained herein this complaint. Pursuant 15 U.S. Code 1681c ( 2 ) ( a ). Expect as other wise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of, included you will find FTC identity theft report, identity theft affidavit, copy of ID, utility bill, and social security card. I ask that you comply with Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquires, and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts pursuant to FCRA sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), and mail me a new credit report to my address of record below and place EXTENDED FRAUD ALERTS on my credit report if you have not done so already. Experian does not have any permission or consent from I the consumer to furnish a consumer report.
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (DE)

TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT National Credit Adjusters Reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious National Credit Adjusters Reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DE XXXX
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX has misreported this account in blatant error and violates the provisions of the FCRA and must be removed from my credit report for inaccurate reporting. 

This account is reporting Date open : XX/XX/2018, additionally this same account is reporting a 60 Day Late Payment XX/XX/2018 this information is inaccurate and inconsistent based on if the account was opened in XXXX, it is not possible to be late 60 days in XXXX. Please remove this account immediately!!! 

XXXX XXXXXXXX XXXX has supplied information to Experian that it knowingly inaccurate. Experian has failed to conduct a reasonable investigation of my dispute and I am asking for the following ; DELETE INACCURATE ACCOUNT, INCOMPLETE, OR UNVERIFIABLE INFORMATION WITHIN 30 DAYS ( OR 45 DAYS IN SOME CASES ) OF RECEIVING NOTICE OF MY DISPUTE My rights have been violated under the FCRA, I am entitled to seek actual or statutory damages, recover attorneys fees and court costs and request punitive damages. 

Experian is required by law to do everything in its power to accurately gather and report accurate consumer information.
Consumer complaint received 2021-08-10
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: TOYOTA MOTOR CREDIT CORPORATION (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

4. Account Number : XXXX This is not mine. 

5. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-06-23
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. (TX)

CFPB, PLEASE STOP CLOSING ALL MY COMPLAINTS AND MOVE IT FORWARD. NOT RIGHT YOU ARE VIOLATING MY RIGHTS AS A CONSUMER. HARD ENOUGH TO FIGHT WITH THE CREDIT BUREAUS AND NOW WE HAVE TO FIGHT WITH AN ORGANIZATION WHO IS SUPPOSED TO HELP US. I HAVE SENT CERTIFIED RETURN RECEIPT TO XXXX and no word back, so I am assuming the are agreeing with my findings. 

TO WHOM IT MAY CONCERN : I am a military member XXXX XXXXXXXX XXXX. After review all XXXX credit reports, I am demanding the below account be removed immediately as it completely inaccurate for the following reasons : a. The type of loan is not accurate as its a credit sale NOT Loan as shown on my credit reports. 
b. The loan is listed as charge off which is not accurate. It was sold. 
c. Current balance or owe balance is also incorrect as you can see what XXXX detailed payments. See attached document by XXXX XXXX. The remaining balance is {$11000.00} NOT {$11000.00} as you have reported. 
I have disputed with the credit bureaus and sent by certified mail with return receipt. Please see attached copy. 
Im exercising my right under the Fair Credit Reporting Act and right under the fair credit and billing act as to what right the company has to collect? I am requesting further information about items on my credit report. I am requesting full validation. 
XXXX XXXX Balance on XX/XX/2019 {$11000.00} Original loan amount {$25000.00} Account numberXXXX I wish to see the original sources of the information reported. If you cant provide me with this information, please remove these account or correct as in good standing immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 
Based on the FCRA and FTC Law, and Fair Credit and Billing Act all information must be accurate, no errors and verifiable.
Consumer complaint received 2021-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I want Capital One and XXXX  to fix this problem and restore this good standing credit line to my ( XXXX  only ) credit file. I have made all my payments on time and all they would need to do is CALL XXXX  and figure out the problem. I have since been denied a credit limit increase on this Capital One account and feel that the denial was a direct result of the account missing from my XXXX  credit file, ( Attachment 1, Capital One letter, XX/XX/XXXX ). 

On XX/XX/XXXX while monitoring my XXXX  credit report, it was reported that XXXX  added a remark to the Capital One tradeline. The remark said, " Consumer disputes, reinvestigation in progress, '' ( Attachment 2, XXXX  Credit report, XX/XX/XXXX ). This account was opened on XX/XX/XXXX and I have never disputed the account, ( Attachment 3, Capital One credit card statement, XX/XX/XXXX ). 

On XX/XX/XXXX, while monitoring my XXXX  credit report, the Capital One tradeline was completely removed from my XXXX  credit report. I contacted Capital One and they had no knowledge of the account being removed and they were still reporting it to all three credit reporting companies. I told them that it was only XXXX  that removed the tradeline. They told me to contact XXXX. 

On XX/XX/XXXX I sent a letter to XXXX  asking them to investigate the account and explain the reason they had for removing the account from my XXXX  credit file. In my letter I also told them I had never disputed this account. The only response I received from XXXX  was Dispute Results. The results state that Capital One is NOT being reported to my XXXX  credit file, ( Attachment 4, XXXX  Results for Dispute # XXXX, XX/XX/XXXX ). 

In XXXX, XXXX, I forwarded the XXXX  dispute results to Capital One along with a letter asking them to fix this problem and restore the tradeline to my XXXX  credit report. They replied with a letter that confirmed the account is being reported to my XXXX  credit file, ( Attachment 5, Capital One letter, XX/XX/XXXX ). 

Capital One and XXXX  are giving me the run around. Please fix this problem and restore this tradeline to my ( XXXX  only ) credit file. I have made all my payments on time. Capital One PLEASE CALL XXXX  and fix this problem.
Consumer complaint received 2022-08-28
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)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX DATE OF BIRTH : XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX TransUnion TransUnion XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX TRACKING CERTIFIED # : XXXX XXXX XXXX XXXX XXXX TRACKING CERTIFIED # XXXX XXXX XXXX XXXX XXXX TRACKING CERTIFIED # XXXX XXXX XXXX XXXX XXXX Dear Credit Bureau : TRANSUNION, XXXX, XXXX Im responding to the verified no-change letter you sent me for the late account. Based on your recommendation, I sent a letter to the Creditor asking for the proof that I was in fact late, on { the month they reported but they never responded. 

Its clear that the late account, Date open, no. of months ( terms ), High Credit, Last reported date, Date last Activity, Date of Last payment is inaccurate because the Creditor did not send any valid proof of me being late, date of Last activity, Last reported date, High credit, Date open, Last reported date, no. of months ( terms ), date of last payment. If they cant prove that the account was late, they cant report to the Bureaus, according to the FCRA. Please Delete Account Immediately these inaccurate listing from my credit report or your company will be in Violation of the FCRA. A HARD COPY HAS BEEN FILE WITH CFPB Creditor : XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX TRUNCATION IS ERROR TO I NEED THE WHOLE TRADELINE ACCOUNT NUMBER. 
Reason : 15 USC 1666 A/B BILLING ERROR/15 U.S. CODE 1681e- Compliance Procedures ( b ) Accuracy of Report WHENEVER A CONSUNER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUN POSSIBLITY ACCURACY OF THE INFORMATION CONCERNING THE INDIVDUALABOUT WHOM THE REPORT RELATES. 

PLEASE SEE BELOW ATTACHMENT
Consumer complaint received 2021-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (CA)

My interest rate was hiked 25 % from 12.24 % to 16.24 % WITHOUT LEGAL NOTICE. My FICO score is in the XXXX. Have been a cardholder for 30 years. A 45 day notice of interest rate increase is required by law. American Express willfully and knowingly violated that law. American Express must be forced to comply with financial regulations to protect consumers and small businesses. American Expresss management is arrogant and deceitful.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I have been a member of Experian since XXXX XXXX XXXX, which my documentation will show and that's how long they have been reporting information on my credit report. Today XX/XX/2022 I have a premier credit card which I just open, it hasn't even been three months and I paid my balance early and Experian took XXXX points away from my credit score, not only that they haven't even updated the rest of my report with all the rest of the false and accounts that need to be updated. That's discrimination Secondly, I check into XXXX XXXX XXXXl XXXX XXXXXXXX XXXX PA I paid cash and used my XXXX prepaid card for them to have a card on file. Fact it's a prepaid just put XXXX dollars on it a company called XXXX went and took my money off my account. Wondering if the people running tXXXX XXXX XXXX XXXX  on XXXX XXXX XXXX have any connection with the XXXX that stole money from my account. 

XXXXXXXX XXXX is not keeping accurate information enclosed you will find the documentation proof just alone for social security I get XXXX $ let the record show that that amount alone does not show accurate information. 

The creditors are violating my rights " must remove outdated negative information '' Make credit report available correct delete inaccurate information. 

They are doing this stuff to keep me from housing, I want to see the law carried out. 
Every time I move around in the world something happens to me negative I want to know if there is a XXXX or XXXX XXXX working for Experian because I feel like these errors are becoming personal. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX would be a start to check.
Consumer complaint received 2021-08-10
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. (MO)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

I have sent XXXX letters to XXXX XXXX servicing requesting them to file for the excess funds available at the XXXX XXXX Tax accessors office. I paid the redemption fee and interest in order to prevent foreclosure. A XXXX claim deed was filed in XXXX XXXX releasing the tax sale purchaser from claim to property. Last letter, XXXX XXXX, 2022 including all documents for them to file claim. 
Loan number To collect the remainder of the funds, PHH as the secure interest holder must make claim and settle security deed. 
I spoke with PHH representative of XXXX XXXX, 2022. He stated the PHH attorneys only had to pay the payoff quote. I explained, " Excess funds are subject to priority claim by mortgagee or security interest her. The record owner of the property at the time of a tax sale may claim the overage only if the property is not encumbered by a mortgage or lie, or if there are fund remaining after the mortgagee has satisfied security claim. '' All I am asking after XXXX plus months of attempting resolution is for PHH to make claim and satisfy security deed. 
There is in excess of {$170000.00} available. Security deed will be satisfied by less than {$56000.00}. 
Can you please assist? 
Loan # XXXX XXXX XXXX XXXX XXXX XXXX. GA XXXX XXXX XXXX XXXX, XXXX, XXXX
Consumer complaint received 2021-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX is reporting multiple missed payments to my credit report. I made multiple arrangements with them and was assured that this wouldnt happen. The vehicle has been paid off well before the due date, and despite my best efforts I cant get them to change the reporting which is ruining my credit. Whats more is that I didnt purchase the vehicle from XXXX, I purchased it from XXXX XXXX  which was then bought out by XXXX. When the change of company was made, they inadvertently turned off my autopay in XX/XX/2018 which caused me to be late without my knowledge. No one has been helpful fixing this for me and they dont seem to care.
Consumer complaint received 2023-03-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

In XX/XX/ XXXX about a year ago to be exact I made an extra payment to my mortgage company to cover two months in advanced. A payment of {$3900.00} was made to my mortgage to cover 2 months but instead one payment was applied to the current month and the other to the principal although I never made a note that the extra payment was to be sent to the principal. When I caught the mistake the mortgate company made it was already too late and I was behind one payment because of their mistake. I called several times to speak to a representative and when I was able to speak to someone they said they would correct the payment that was supposed to cover my two months of rent/mortgage. As time went by no one ever applied the extra payment made to my rent/mortgage bill instead it was sent to the principal even though I did not make a note to send the extra payment to the principal. A year later now we are behind on our mortgage because of a mistake that took place over a year ago and no one ever corrected it. I had to apply for a forberance just to stay away from late fees as my family struggle to make end meets. If my payment would have been applied properly since day 1 I would have never face any financial hardship that has now caused emotional and financial distress. I never got the help I deserve at that time and now I'm just facing financial hardship trying to get up to date with my mortgage payments.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

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 about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-07-09
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: Affirm Holdings, Inc (FL)

ON XX/XX/XXXX I ordered XXXX Upholstered Metal Chairs in Black in the amount of XXXX. It was delivered on XX/XX/XXXX. We were unable to use these chairs so we sent chairs back on XX/XX/XXXX which should have canceled any loans on these chairs. I started getting calls that a payment was due starting in XXXX and each time I stated that these items were returned. XXXX attempted to call them with me on the call that items were returned when we were told they could not verify me. XXXX finally took a look on their part and stated that yes 6chairs were returned and issued it in writing that it was not due. We kept calling Affirm stating that they should have received in writing that nothing was due. They agreed However, they still reported me thirty days late on a loan that should have never been. I have attempted several times directly with the company and the credit bureaus that this needs to be corrected and no one has done so.I have all information in writing and will be happy to provide upon request