davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-01
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. (PA)

I have sent letters to Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (GA)

XXXXTHIS IS URGENT!!!!! **** I submitted a prior CFPB complaint against Freedom Mortgage to have my account information corrected on my credit report to correct the payment history to reflect NO late payments, as a 30-day payment was being reported for XXXX, 2020 that was not correct ( on XXXX ) XXXX Per the company 's response ( attached hereto ) they confirmed the inaccuracy and claimed to have submitted the information to correct the error to the credit bureaus. However, when I pulled my updated credit report instead it now shows WORSE information instead ... .a 60-day late instead and no correction made for the first error as agreed!!!!!!!!!!!!!!!!!!! As I previously stated, I am in the process of purchasing a new home and this has created serious issues with my loan. I am now being denied because of this continued error!!!!!!!!!!! This is completely unacceptable and I need this fixed CORRECTLY immediately as I was told in writing would be done by XXXX XXXX XXXX, Manager of Customer Service w/Freedom Mortgage! I am not sure how such a serious error can be made on someone's account, but this has to be rectified immediately as this is causing me serious financial damages at this point. I have NEVER made ANY late payments on any accounts with Freedom Mortgage and I need ALL credit bureaus to reflect this accurately. Currently, XXXX is now showing a 60-day late payment per attached report!!! How that is even possible, when it was only 30 days late before for the same month! Suddenly, now there is NO 30-day late, but a 60-day late????????????!!!! Ridiculous. I do NOT have 60 days for this to be corrected due to my loan in process. I need this correction submitted immediately and the AUD # s provided to me. I also now need a written letter from Freedom Mortgage admitting to this error for my current underwriter, as they now feel I am not telling the truth and need documentation in writing from Freedom and a corrected credit report showing NO LATE PAYMENTS!!! I have never in my life seen such complete negligence. I have spoken to an attorney regarding this and will be retaining legal representation if this is not corrected within 24 hours of receiving this complaint. I can not wait any longer, as I am in the process of obtaining financing for my home purchase. Please understand the seriousness of this matter and rectify this promptly!
Consumer complaint received 2022-02-01
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. (LA)

Unauthorized inquiry is reporting to my credit report even after I have identified it as fraud and identify theft. I have mailed an FTC report to the company and have received no response.
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (OH)

Ive tired to have the 3 credit to bureaus to dispute inaccuracies on my credit history. They mailed me out a packet to dispute these inaccuracies. My husband at the time ( im in a XXXX  divorce status ) XXXX XXXX told me they must mot have mailed it out so i never received it. This seems to happen with most my mail with him around. He has a brother XXXX XXXX that took out credit cards in his name an he never pursued to do anything about it. He knows i would have. I also cant log into XXXX XXXX  an it will not allow me to change my password. I emailed them awhile back but no response if you could give them my email that would be greatly appreciated. XXXX If you have any more questions please contact at XXXX. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, oh XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX charge off/collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Personal Information : Also Known As : XXXXXXXX XXXX XXXX Also Known As : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : NOT PROVIDED Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Address ( es XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NV)

To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains an old account that was included in my bankruptcy - XXXX XXXX XXXX for XXXX  in the amount of {$1600.00}.

According Fair Debt Collection Practices Act, debt discharged in bankruptcy has a statute of limitations for reporting - 7 years. This account was paid off/ discharged in XXXX, which is 7 years ago.

As a single mother of 3, Im planning to apply for a mortgage as a first time homebuyer, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the very old account Thank you for your consideration, and I hope youll approve my request.
Consumer complaint received 2015-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (IL)

Dept collection agency called XXXX are attempting to collect a dept from me which I am not owing and they reported that to my credit even with out proper investigation to know if the dept is mine or not. I disputed that through EXPERIAN CREDIT REPORTING AGENCY but they kept reporting same to my credit. I contacted EXPERIAN CREDIT REPORTING AGENCY after so many attempt I made to contact the collection agency XXXX. but Experian said all the information they have on file concerning the dept was collect even when they did not do proper investigation. 
The dept which XXXX TRYING TO COLLECT FROM ME IS A FLAUD FROM THE ORIGINAL CREDITOR. 
I rented an apartment from the Original creditor XXXX, but a month after I rented the apartment the roof collapse and I could not use the apartment anymore after so many attempt I made contacting the XXXX to come and fix the problem, they ignored me despite I still pay the rent for the apartment even when I was not making use of the place. They ignored fixing the place until I moved all my belonging away from the apartment since it was becoming health hazard. But two month after I moved out I received a letter from a collection agency called XXXX stating that I was owing some money from XXXX who ignored fixing the collapsed roof of the apartment I moved out from. 
the XXXX did not even do any investigation to know if I was owing such dept or not. I attached the copy of the letters I sent to the apartment management XXXX BE FOR IMOVED OUT FROM THE APARTMENT THE CREDIT BUREAU SHOULD WORK WITH THE COLLECTION AGENCY XXXX TO TAKE SUCH FAULES STATEMENT OFF MY CREDIT FILE
Consumer complaint received 2022-01-02
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

To CFPB, Bank of America closed my account and refuses to open it, even though I have complied with all of their demands. 
I do not have an ID issue with XXXX. There is no reason for them to keep my funds from me. I fought them on going to the bank with 2 forms of ID because of COVID-19. I have underlying health problems and I have not gone anywhere since the beginning of this whole COVID mess. They said the only way around that would be to have XXXX send a USID form. So I called XXXX and on at least 5 occasions, representatives I spoke to in the ID Department told me they would send that with me still on the phone and it would be instantly available for Bank of America to see and immediately open my account. Bofa denies every receiving any communication from XXXX. 
But I finally went to the bank, because I need money to pay my rent, and not die, so I went to the bank. At the first bank, I spoke to the branch manager that told me they could not verify me as I did not have an account with them, he said they did not verify prepaid customers and to call the number on the back of the card to get verified by phone. I thought that that couldnt be right because they had told me on the phone to go to any branch and they would verify me. So I drove to a different Bofa thinking the branch manager was just misinformed or was just being a jerk, and at the second bank, the manager I spoke to said the same thing. Totally furious, I went home and swore off dealing with Bank of America ever again, on principle. 
But I received an eviction notice today. Fortunately, my brother is sending me money to pay my rent. But he is barely in a better financial situation than I am. I need to repay him as soon as possible so he can pay his rent. 
If Bofa would reopen my account that they closed with no notice or explanation, I wouldnt be having any of these problems. I called Bank of America today and told them I went to the bank with 2 forms of ID and I was told they could not verify me because I dont have an account there. The representative I spoke with on the phone told me he would file a complaint, that the branch manager was misinformed, and to go to the bank with 2 forms of ID. I told him they would just tell me the same thing, and when I call, Bofa tells me to go to the bank. 
Hopefully you see my frustration and understand I have tried every way repeatedly, and the bank wont open my account. I dont know what else to do this has been going on for months. Please help me. 
Thank you for your attention to this matter, XXXX XXXX
Consumer complaint received 2015-09-25
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: GUARANTEED RATE INC. (IL)

I requested a good faith estimate from a lender when I was looking into buying a home. The GFE was provided to me. Everything is moving towards closing and I am now 5 days away. The lender now sent me the quote of my actual monthly payment which is over {$300.00} higher than the GFE that he provided. He said he made a mistake on the property taxes. I pointed out the huge discrepancy in what he quoted and the actual cost and the best he could do was give me an apology.
Consumer complaint received 2015-08-08
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I received a credit card from Capital One XXXX ago. after the XXXX payment thebalance was supposed to increase. Lol and behold all of a sudden therere was a problem with my bank. Capital one says the bank send payment back. The bank says Capital One set it back to them. And the same thing keeps happening and the interest went up too. I was interested because I wanted to restablish my credit. I was an unsolicited offer also. I have talked to them several time about this and the fact that they ca n't add. I looked at my statement tonight and it shows a payment posted but the total available balance is not correct. And still shows I owed the payment for theXX/XX/XXXX payment which had posted. When chatting with the rep. he apparently went in and XXXX it out but then it showed XXXX due on the due date, which was already posted and payed. I hope all this is getting through, because it is moving off the page and ca n't see the part on the right side. I think this is a scam on the part of Capital One and wonder if other XXXX and over people like me are having the same issue.
Consumer complaint received 2022-01-03
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: Experian Information Solutions Inc. (KS)

Please be advised after careful review of my consumer report I have+ come across the following items on my report. 

XXXX XXXXXXXX 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  There are multiple inaccuracies regarding the reporting of the said alleged debt. 
This account is currently reported as charged-off. 
This account exceeds the XXXX dollar threshold, I was never sent a 1099c which this account qualifies as realized income. Furthermore with this account now being considered income this account no longer falls within the guidelines on the FCRA as debt and now must be removed from all credit reports in compliance with 15 U.S. Code 1681e - Compliance procedures, ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Delete these accounts IMMEDIATELY Failure to respond satisfactorily with the above accounts deleted from these referenced accounts and send out a free copy of my report after said changes have been made will result in legal actions taken against your company, for which I will be seeking {$1000.00} for each violation for : Defamation of character ( per se ) Negligible enablement of Identity fraud Fair debt collection practices act 15 U.S. Code 1692g violations fair credit reporting act 15 U.S. Code 1681 violations for willful noncompliance 616 civil liability for willful noncompliance 15 U.S. Code 1681n Signed XXXX XXXX enclosed is a copy of my ID and proof of address
Consumer complaint received 2022-01-03
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-03
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. (PA)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2020-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (WI)

I was charged {$59.00} for a XXXX  from Delta and I disputed the charge. While it was being disputed, I paid the charge to avoid having a balance on my card. I also tried to work with the company and they agreed to issue me a credit of {$59.00}. So now I have paid the {$59.00} charge and Delta issued me a {$59.00} credit and have a credit balance of {$59.00}. For two months I got a statement of a credit balance on my account. 

When AMEX closed my dispute, the removed the {$59.00} credit balance and took it, leaving me with a XXXX  balance.
Consumer complaint received 2022-01-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

This company has no legal right too collect on this debt.. The fact that a debt is owed does not give lvnv legal rights to collect on the debt... I've sent validation letters too this company to show me their legal and lawful authority to collect the debt without my consent or a copy of the original contract between myself and the original creditor where i agreed assignment of the debt with my ink signature.. They have failed too do so and now they have reported a debt that they have not proven i owed they have not provided my ink signature that i consented too have my debt be paid too any other party besides the original creditor.. This is defamation of my character.. This matter has been submitted too the attorney General and legal action will be pending
Consumer complaint received 2022-01-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2021, I contact the CRA to via certified mail to dispute erroneous accounts on my consumer report. After about two and a half weeks, the CRA reported back that the information came back verified from the original creditor, which is wholly inaccurate, as I am the original creditor pursuant to 15 USC 1602 ( l ). 

On XX/XX/2021, I contacted the CRA again, to request that those same accounts be removed again. Pursuant to 15 USC 1681 ( a ) ( 2 ) ( B ), these accounts being listed are again in direct violation of the FCRA and should have been deleted on XX/XX/2021 when the first disputes were mailed out and should not have come back verified.
Consumer complaint received 2022-01-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC (FL)

This collection company is reporting this account that is not mine to the three credit companies XXXX, XXXX and XXXX. I call them and ask for documents and they don't send anything and they threaten to take me to court if I don't pay. 
That they take out that account of the three company of credit and if they want that they take me to the court.
Consumer complaint received 2022-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (TX)

This is in reference to complaint XXXX previously submitted. Penfed did NOT address my concerns. I asked very specific questions in my inquiry that were not at all address. I would like my questions to specifically be answered and not a pencil whipped response. Why do I not get any assistance in dealing with XXXX XXXX? They tell me to contact my financial institution and will not assist me. Why did it take so long for them to get me copies of my statements when I changed my account number? Why will they not assist me in dealing with the XXXX XXXX XXXX XXXX. All of these questions have not been addressed. They are providing no help to me what-so-ever and instead are making a assumptions and a judgement call on my character. Their response is not a valid response because they did not address my individual question. Why did their system edits not detect fraud? This financial institution is deflecting any effort to help me and it required me to go through you just to get this response from them.