davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I was shocked and puzzled that when I reviewed my credit report today and found late payment on XX/XX/XXXX for 30 days. How? I am not sure how this happened, and I believe this is an internal error with XXXX and Credit reporting agencies. First of all, I'm not liable for this mortgage loan account because that was for my ex-husband and I haven't paid on that account for like 3-4 years. That account belongs to my ex-husband XXXX XXXX. And actually he refinanced the loan on XX/XX/XXXX and paid off the entire loan and my name was legally removed. Please delete this immediately from my credit report.
Consumer complaint received 2023-01-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

Hello, I fell behind XXXX payments and tried to make a payment and get assistance from XXXX. Well Fargo would not take a payment from me and foreclosed on me before XXXX XXXX program could provide the assistance I was approved for. As a result my locks were changed and I lost my home.
Consumer complaint received 2023-02-27
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)

This credit bureau has violated 15 USC 1681i and 15 USC 1681e. 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. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute.

The furnishers mentioned are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

After my dispute of the accuracy of these accounts, the furnishers falsely verified the information to be true instead of deleting the accounts from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Consumer complaint received 2023-02-27
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. (AL)

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. XXXX  XXXX XXXX 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 2024-10-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (DE)

CONSUMER XXXX XXXX DISCOVERED I WAS A VICTIM OF IDENTITY THEFT XX/XX/2024. SINCE THEN NUMEROUS OF COLLECTION ACCOUNTS HAVE APPEARED ON MY CREDIT PROFILES. HERE IS ANOTHER ACCOUNT FROM XXXX XXXX  SOLD TO RENT DEBTAUTOMATED. I HAVE CONTACTED XXXX NUMEROUS OF TIMES FOR INFORMATION ABOUT THIS ACCOUNT AND HOW I AM LINKED TO THIS. I WAS TOLD TO CONTACT THE CREDIT BUREUS AS THEY ARE NO LONGER THE OWNER OF THIS DEBT. I LIVE IN XXXX THIS APARTMENT PLACE IS IN XXXX. I HAVE NEVER LIVED HERE IN MY LIFE. THIS ACCOUNT IS FRAUD AND NOT VALID. SECOND THIS COMPANY NEVER CONTACTED TO ME TO VALIDATE THIS DEBT BEFORE PLACING IT ON MY CREDIT REPORT 1682C-2. IM WELL AWARE THAT I HAVE THE RIGHT TO DISPUTE A DEBT PRIOR TO COLLECTION. THIS COMPANY IS IN VIOLATION OD FCRA 615 ( F ) ( 15 U.S.C. 1681M PROHIBITION ON SALE OR TRANSFER OF DEBT CAUSED BY IDENTITY THEFT. UNDER THE FCRA THIS ITEM IS NOT VALID AND CAN NOT APPEAR ON MY CREDIT REPORT WITHOUT SUPPORTING DOCUMENTS OF VALIDATION OR PROOF A LETTER WAS SENT TO ME 30 DAYS PRIOR TO THIS REPORTING ON MY CREDIT ASKING FOR VALIDATION. LASTLY A DEBT THAT IS IDENTITY THEFT CAN NOT BE SOLD OR PURCHASED.
Consumer complaint received 2020-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

Hello, As a foreign national I know that I have to update my residency document submitted to the bank ( Bank of America in this case ) periodically. I was on a XXXX XXXX ( which was valid until XX/XX/XXXX ) when I received my green card on XX/XX/XXXX. Knowing the bank would request a proof of residency at the end of the year, I proactively went to a local Bank of America financial center in XXXX, NH in Summer XXXX ( sometime in late XX/XX/XXXXor early XX/XX/XXXX) and asked the bank teller to scan and save a copy of my green card in my file. Along with me, my wife also provided her green card to update her documents. The teller and her colleague expressed their amusement as they had not seen a couple of customers proactively updating their documents. 

The local financial center did not upload the document ( the copy of my green card ) to the appropriate department ( this is acknowledged by the center managers in my recent visit ), so they sent a letter on XX/XX/XXXX asking for the same document. Considering I had already provided the document, I dismissed the letter. They sent a second letter in XXXX, when I was abroad ( from XX/XX/XXXX - XX/XX/XXXX ). Since I could not have possibly responded to the second letter, my two checking accounts were frozen and my credit card account was eventually closed before my return to the country. The restriction on my checking accounts disrupted my automatic bill payments that resulted in late fees and possible credit score penalties.

The closure of my credit card, however, is expected to have a more significant impact. This credit card was my oldest credit card ( 9 yo ) and with $ XXXX limit accounted to ~37 % of my total credit limit. Therefore, its closure is going to reduce the average age of my credit history and the percentage of credit card utilization with mild and high impacts, respectively. This negative impact will lower my credit score, which in turn reduces my chances of getting lower rate loans in the future.

This mistake and periodically asking for documents while the one in file is still valid is a common practice for Bank of America. It has affected me, my wife and at least 3 of my friends ( I am willing to provide contact information of those whom I know are affected ). It has resulted in numerous unnecessary visits, phone calls, emails and unjustified  account freezes and closures. I am writing to ask the CFPB to look into this practice and take necessary steps to prevent the bank from repeating the same mistakes in future and compensate those who are affected by this practice. 

Best regards.
Consumer complaint received 2023-03-01
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. (CA)

I am writing to file a dispute against Experian, XXXX XXXX XXXX consumer credit reporting agency, for their violation of my right to privacy and their unlawful furnishing of data onto my credit report without my written consent on XXXX XXXXXXXX XXXX  Acct # XXXX According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i credit reporting agencies like Experian, XXXX XXXX XXXX are required to obtain written consent from consumers before furnishing their data to third parties. However, I have recently discovered that Experian, XXXX XXXX XXXX has furnished data onto my credit report without my written consent, which is a direct violation of my rights under the FCRA. 

Furthermore Experian, XXXX XXXX XXXX has not been transparent about the data that they have furnished onto my credit report. They have failed to provide me with a clear and complete disclosure of the nature and scope of the information that they have collected and disseminated about me. 

As a result of Experian, XXXX XXXX XXXX actions, my privacy has been violated and my credit report has been negatively impacted. I have suffered financial harm as a result of Experian, XXXX XXXX XXXX unlawful furnishing of data, which has caused me to be denied credit or to receive credit on unfavorable terms. 

I am requesting that the Consumer Financial Protection Bureau investigate Experian, XXXX XXXX XXXX for its violations of the FCRA and take appropriate action to ensure that my privacy is protected and that they cease all unlawful furnishing of data onto my credit report without my written consent Thank you for your attention to this matter.
Consumer complaint received 2024-10-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (VA)

I am writing to formally file a complaint regarding an ongoing issue with Loan Care concerning a payment I made on XX/XX/XXXX in the amount of XXXX dollars. This payment was initiated through a draft from my XXXX XXXX account. 

Since making the payment, I have contacted Loan Care multiple times. They have repeatedly requested verification of the funds, and I have provided extensive documentation, including bank statements, screenshots, and transfer confirmation. Despite this, they claim my evidence is insufficient. 

I also had a conversation with a XXXX XXXX XXXX  manager, who confirmed that the payment was processed and cleared from my account. However, Loan Care has not credited my payment, which has adversely affected my credit score. 

Loan Care acknowledges that they received the funds but informed me that the payment was applied to another account. When I inquired about this issue, a representative stated, " We have people pay for other peoples accounts all the time. '' This explanation raises serious concerns about their payment processing procedures. 

I request your assistance in resolving this matter and ensuring that my payment is correctly applied to my account. Thank you for your attention to this urgent issue.
Consumer complaint received 2023-02-28
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected on my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-24
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC. (VA)

This is an addendum to Complaint No. : XXXX Below is how CashNetUSA is attempting to collect an incorrect amount of money What are my next steps. As you can see I sent an email. 

Thank you. 

XXXX XXXX XXXX THIS IS CASHNET USAS NOTICE TO ME DATED XX/XX/XXXX " Dear XXXX XXXX, Customer # XXXX This is a reminder about your minimum payment that is coming due for your Line of Credit # XXXX with CashNetUSA. 
On XXXX, a payment of {$200.00} is due. 
Please ensure that your payment is received on time. To avoid potential missed payments and late fees, you can change your payment method to an automatic bank account debit at any time by calling XXXX. 

If you have any questions or concerns, our Collections Team is available seven days a week to help answer all of your questions via phone or email. 
CashNetUSA Collections Team Phone : XXXX Fax : XXXX Email : XXXX   www.CashNetUSA.com To ensure delivery of important updates from CashNetUSA, please take a moment to add XXXX  to your email address book. And be sure to bookmark www.CashNetUSA.com for quicker access in the future! '' XXXX___________________________________ THIS IS MY RESPONSE TO THE NOTICE " Dear Sir/Madam : Regarding your above reference to an upcoming payment, please note that the Payment Plan DOES NOT indicate any payment amount of {$200.00} The agreed-upon payment amounts are : {$180.00}, {$180.00}, {$180.00}, and {$140.00} Although I agreed to pay {$140.00}, I believe you added an additional {$140.00}. After all, I have had so many conversations with different Associates of CashNet, more money could have been added. As you can see, there is no arrangement or agreement to pay {$200.00} as part of the current agreement. 

Please advise and correct. 

I am sending a copy to the Consumer Financial Protection Bureau of your notice, a copy of the Payment Plan and my response. I would like the Agency to see how this account is plagued with false statements and misrepresentation. 

HERE IS THE PAYMENT PLAN XX/XX/XXXX Manual Payment Debit Card {$180.00} XX/XX/XXXX Manual Payment Debit Card {$180.00} XX/XX/XXXX Manual Payment Debit Card {$180.00} XX/XX/XXXX Manual Payment Debit Card {$140.00} XX/XX/XXXX Manual Payment Debit Card {$140.00}
Consumer complaint received 2020-01-24
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (NY)

I recently started a new lease with US Bank But due to some Bank error, I was not receiving statements. A Rep from US BAnk even confirmed that to me in an email as you can see attached.

The bank error caused me to be late on one payment that is currently already paid But no matter hao many times I try to reach ou to US Bank they are refusing to provide me proof that the statements were sent to me even after I was clearly confirmed that no statements were sent. And they refuse to remove the late mark from my credit report.
Consumer complaint received 2023-02-28
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. (TN)

Hello, I am a victim of identity theft and fraudulent accounts and inquiries are listed on my XXXX and XXXX credit report I pulled on XXXX. Below are the fraudulent accounts and inquiries in full detail, Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX, Incorrect Address : XXXX XXXX, XXXX, TN XXXX. XXXX. XXXX XXXX XXXXXXXX {$15000.00} ( XXXX XXXX ) XXXX. XXXX XXXX XXXX {$25000.00} ( XXXX XXXX ) XXXX. XXXX and XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX XXXX ( INQUIRY ) XXXX. Bank XXXX XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXXXXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX {$22000.00} XXXX ( XXXX XXXX ). I certified mailed a FTC Report listing this fraudulent items but the credit bureaus XXXX and Experian has yet to remove these accounts
Consumer complaint received 2022-06-26
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2020-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

My mortgage is with SPS Select Portfolio Servicing.XXXX XXXX, XXXX XXXX XXXX, UT XXXX I am set up for Bi-Monthly autopay withdrawals from my bank account. I received a statement showing no payments since XX/XX/XXXX which means I'm close to two months behind and being charged late fees. When calling SPS customer service the agent DID see I was still active on their autopay program and had no idea what the problem was. I was put on hold several times until we hit 30 minutes and still no resolve. I requested the late fee removed since this error falls on SPS and a resolution ASAP before my credit is affected. The agent, days later never got back to me and this problem should be resolved within minutes. I checked the XXXX  and saw pages of complaints regarding SPS and some were exactly like mine stating some customers could not get assistance or return calls. I could send you that link if needed. 
I have not heard from their ombudsman either and when I called customer service minutes ago they knew nothing about my case but again I was told they would get back to me. I never wanted this mortgage company but after a recent RE-FI, the mortgage was sold my mortgage so I had no control of the situation. Until XX/XX/XXXX, at this time I owe {$2900.00} which includes penalties. I should be paying {$720.00} every two weeks but due to their error, the amount is adding quickly and also affecting the amount of interest paid. Even if or when this is rectified I fear more problems with this company in years to come if something this simple can not be resolved easily.
Consumer complaint received 2023-02-27
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 Fair Credit Reporting act The following account XXXX  Account # XXXX, has violated my rights : 1. XXXX XXXX, balance of {$510.00}, date opened XX/XX/XXXX ( would correspond ) 2. XXXX XXXX, balance of {$0.00}, charged off, date opened XX/XX/XXXX ( would correspond ) 3. XXXX XXXX, Balance of {$3100.00} date opened XX/XX/XXXX ( Wouldn't correspond ) 4. XXXX XXXX, Balance of {$550.00} date opened XX/XX/XXXX ( Wouldn't Correspond ) 5. XXXX XXXXXXXX Balance of {$300.00} date opened XX/XX/XXXX ( Wouldn't Correspond ) 6. XXXX XXXX, Balance of {$4200.00} date opened XX/XX/XXXX ( Wouldn't Correspond ) 7. XXXX XXXX, Balance of {$4300.00} date opened XX/XX/XXXX ( Wouldn't Correspond ) 8. XXXX XXXX XXXX XXXX Balance of {$1100.00} date opened XX/XX/XXXX ( Wouldn't Correspond ) 9. XXXX XXXX XXXX XXXX Balance of {$860.00}, date opened XX/XX/XXXX ( Wouldn't Correspond ) 10. XXXXXXXX XXXX Balance of {$3300.00} date opened XX/XX/XXXX ( Wouldn't correspond ) 11. XXXX, Balance of {$280.00}, date opened XX/XX/XXXX ( Wouldn't Correspond ) 12. XXXX XXXX XXXX Balance of {$2700.00} date opened XX/XX/XXXX ( Wouldn't correspond ) 13. XXXX XXXX, Balance of {$2200.00}, date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX ( XXXX ), Balance of {$630.00}, date opened XX/XX/XXXX ( Wouldn't Correspond ) 15. XXXX XXXX XXXX XXXX XXXX ) for ( XXXX XXXX ), Balance of {$520.00} date opened XX/XX/XXXX ( Wouldn't Correspond ) 16. XXXX XXXX XXXXXXXX XXXX  ( XXXX ), Balance of {$240.00} date opened XX/XX/XXXX ( Wouldn't correspond ) 17. XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX  ), Balance of {$920.00} date opened XX/XX/XXXX ( Wouldn't Correspond ). 
18. XXXX XXXX, XXXX of {$1000.00}, date opened XX/XX/XXXX ( Wouldn't Correspond ) 19. XXXX XXXX, Balance of {$7500.00}, date opened XX/XX/XXXX ( Wouldn't Correspond ). 
20. XXXX XXXX XXXX, Balance of {$1400.00}, date opened XX/XX/XXXX ( Wouldn't Correspond ) XXXX5 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
Consumer complaint received 2022-06-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (CA)

This is a fake call saying they are from Macys! They ask for some female! I do not have a Macys card and I thought they were out of business. When I manage to get someone on the phone they have a very heavy accent and have the nerve to ask for my XXXX #. Of course I am not that XXXX They call at least once a week. The telephone number they are clg is an emergency landline for only two people : My wife & a daughter! In case I can not be reached by my Cell phone number!
Consumer complaint received 2023-02-27
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. (FL)

I sent a letter to XXXX, XXXX, and Experian on XX/XX/2022 in regard to late payments being reported on XX/XX/2022 by " XXXX '' and XXXX, and XX/XX/2022 from XXXX and XXXX XXXX. Due to the Heroes ACT ( Section 110401 ) these late payments were violating my rights due to reporting late payments on my report during the pandemic time period. I advised in the letter i sent that they were violating my rights due to 15USC 1681a ( 2 ) ( A ) ( i ) in the exclusions from a consumer report section which say solely to transactions or experiences between the consumer and the person making the report. This has been a huge detriment to my life and needs to be rectified immediately.