davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Recovco Mortgage Management, LLC (CO)

My loan was cleared to close on XX/XX/2020. We finally were able to get the loan closed on XX/XX/2020 with a Right to Cancel deadline date of XX/XX/2020. Disbursement date of XX/XX/2020. 
On the day the loan was supposed to fund, the Lender informed me : There are some loans currently still in the funding queue with document dates in XXXX that they are pushing through. I understand the back log is frustrating and they are working through the loans as fast as they can. 

Meanwhile, my clients loan payoff and rate lock is only good until XXXX  XX/XX/XXXX. The Lender has still not informed me who will be paying the daily interest and any fees associated with them not funding the loan. 

Another issue is now that we've closed and we're past the 3 day Right of Rescission, we're stuck here and are unsure what actions we can take. 

These actions are going to create significant adverse actions on all the clients/borrowers they're closing loans for, this could include negative credit reporting and additional costs to the borrower. 

This Lender is still advertising the lowest rates in the wholesale market and they're not even able to maintain the obligations they currently have to the existing consumers. What actions can we take with this?
Consumer complaint received 2020-09-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (TX)

I recently noticed a negative account on my transunion credit report. I notified the company in writing that this debt is from years ago and a company I may have worked for. I did request they provide ALL records and signed documents for the entire account to verify what they are attempting to collect and reporting to the credit bureau. This is not my debt and also beyond the statute of limitations in the state of Texas in which I live. TEXAS statute of limitations is 4 years. This collection agency is in DIRECT violation of the FCRA. 
I have spoken to Transunion by phone and was told this would be reported to the company electronically and that they would be notified of this FCRA violation and remove the account immediately. 
I have taken every action to notify them and am treated poorly and ignored. I am complaining now in hopes the CFPB can get this company ( see attached proof of harassment by mail, and also attempting to collect a debt illegally on my credit ) to promptly delete this illegal account from my credit report with XXXX. 
Please contact me if there is any other item I can provide to get this taken care of at once. The FCRA violation of my rights is hindering my credit and capability to proceed with financial decisions I am presently involved in.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

On XX/XX/2020 I pulled my free annual credit Experian report and I found too many errors. Experian keeps poor records and I can't understand why Experian was constantly doing inquiries on me. Either XXXX is the worst Credit Bureau or they are intentionally causing major problems with my credit report.They need to be investigated. 

My social security number is incorrect that was a definite red flag although I was allowed to sign in on the internet under my correct social but when I obtained my report the last 4 of the SS # was totally incorrect.

Under personal information : Experian has me listed as having 5 different names, 10 addresses I've lived in Nevada all my life and have never used an alias, one of the addresses was in Florida. They have me living in apartments complex and I've always lived in single family homes. 

Their credit report has totally made give a hard look at how Bureaus can ruin your life by using their Institutional influence.. I believe I'm a victim. I sure hope this is investigated because after reviewing my report I'm sure there is a major problem with this credit bureau.
Consumer complaint received 2022-11-19
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. (TX)

I'm a victim of identity theft. XXXX, XXXX fraudulently opened an installment loan in my name without my consent. I've repeatedly send letter, emails, phone calls, FTC report, Police reports, requesting them to close my account but they refuse to resolve the problem. In addition, they falsely report the info to my credit report with Experian, XXXX XXXX and XXXX to ruin my credit. 

They have emailed me at least 9 times with the same request for my IDs, which I have responded every time and mail by certified mail. The email address came from 2 different addresses requesting same information, sometimes twice a day. They use robots to call me many times ( too many to count ), from many different numbers. XXXX  also send me letters telling to pay the loan that doesn't belong to me. 

They've recently updating my credit reports with false information like late payments to a loan that doesn't belong to me. I've research about their company reviews online, most of their customer responded that " they are a scam, a ripoff ''. 

My complaint also about Experian. I've contacted them about the ID Theft and XXXX  fraudulent loan and disputed with them. I filed dispute with them over the phone, and on their website but both returned not " accurate ''. Experian didn't handle the dispute fairly and accurately.
Consumer complaint received 2020-09-11
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: Experian Information Solutions Inc. (NY)

There is an account on my credit reports XXXX  XXXX XXXX that is outdated it is from 2012. I tried disputing it online with XXXX  and after all the information it said submission failed the same with Experian. This information is outdated and should be deleted off my credit reports.
Consumer complaint received 2020-09-11
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)

i was at the end of lease on my XXXX XXXX is denying me credit. they have false information on my credit report. they said i have public records, which on do not. they said in XX/XX/2018 i had five payments that were late. i went to XXXX  XXXX  in XXXX  XXXX ny and the manager a got a print out of the thirty six month schedule, not one payment was late. i sent copies of the true documentation to XXXX XXXX  and experian. not one thing has been done to correct this false and agregeous action by either agency or corporation. 
this is a total lie and defamation on me .the bank statement clearly shows each payment was on schedule most payments were taking out of my banking account.XXXX  reports are not the same months as experians.which show major discreptions. this is totally unacceptable to do do to any consumer. my credit score is being destroyed.i think that experian is very biased on this matter.companies should not be able to put false information on any ones credit report with out severe repucusions
Consumer complaint received 2021-06-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It's been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts in 5 months nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting. I do not owe these accounts and never entered any agreements with these companies. FTC XXXX Filed, see attached.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

XXXX  has refused since XXXX to give me access to my annual free credit report. 

On XXXX, I have attempted since XXXX to obtain a copy of my XXXX  report. However, in each instance, I am told they can not process this request because the security questions I answered are incorrect or I am unable to simply view it online for unknown reasons. 

The questions they ask me never pertain to me and the email correspondence I have with the company is answered by someone that refuses to read my emails and give me copy+pasted responses. Calling up phone number results in a person with an accent not understanding the problem with XXXX  asking me about Mortgages when I never ever had a mortgage. They refuse to help. They keep telling me to sign up for their online services and pay the subscription fees. How in the world this is not illegal, I do not know. I have no issues with XXXX  with any of this. 

I am asking CFPB to please just help me obtain my free annual credit report.
Consumer complaint received 2022-11-01
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. (AR)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block anyitems which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX MO XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX XXXX XXXX {$570.00} ; XXXX XXXX XXXXXXXX Balance : {$500.00} ; 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate , correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2020-09-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

Select Portfolio Servicing contacted my insurance company XXXX XXXX and told them my house was vacant. I live in my house. My utilities are all in my name. I get my grass cut regularly and I planted flowers 2 months ago. My mail box is only full if I get a delivery package in my mailbox. My car is usually in my driveway and Select Portfolio Servicing notified me on XX/XX/20 stating that my covid relief program HAD NOT ENDED yet.
Consumer complaint received 2021-04-15
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. (WA)

I have paid my auto 3+ years and 2 credit cards 2+ years on time without any lates. Pay off credit card balances every month. Why are all 3 bureaus still showing fico under 600?
Consumer complaint received 2021-10-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST (AZ)

A deposit was made in the amount of {$40.00} into a business checking account to cover past expenses of a - {$12.00} at XXXX XXXX XX/XX/21. Receipt states that any deposit after XXXX XXXX  the same day will be reflected as available the next business day. Available balance received and shown as current : {$27.00} XX/XX/21. A notification was sent to the account 's Message Center inbox at XXXX XXXX  PST XX/XX/21 stating that an overdraft fee was applied for an overdrawn balance in the amount of - {$12.00}. An email was received from XXXX at XXXX XXXX  PST XX/XX/21 notifying a message was sent to the account 's Message Center inbox. A call was placed to customer service at XXXX XXXX XXXX  PST XX/XX/21 to file discrepancy. Was informed that even though funds were deposited and shown as available the next business day a true reflection does not apply until after close the next business day. When asked if it was possible to remove the overdraft fee the customer service representative stated that only 1 overdraft removal is allotted and had already been used.
Consumer complaint received 2020-09-11
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. (DE)

This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX   XXXX, DEPT OF ED/XXXX XXXXXXXX, DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2020-11-13
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: EQUIFAX, INC. (TX)

XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Hide Details | View your Report | View your credit score Deleted + 'icon ' Deleted After BeforeClose XXXX/XXXX/XXXX Account Name XXXX Account Number Charge Card Account Type Individual Responsibility XX/XX/XXXX Date Opened Open. {$65.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ XXXX Monthly Payment {$660.00} Credit Limit {$780.00} Highest Balance NA Terms {$720.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount PAYMENT HISTORY XXXX XXXX OK XXXX OK XXXX OK XXXX OK XXXX OK XXXX OK XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Additional Information XXXX/XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusClosed. 
Status UpdatedXX/XX/XXXX this account was accidently disputed plz do not remove
Consumer complaint received 2020-08-05
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. (AR)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX  XXXX XXXX {$170.00} XXXX  XXXX XXXX {$80.00} XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX {$510.00} XXXX XXXX XXXXXXXX {$100.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXXXXXX {$440.00} XXXX XXXX {$93.00} XXXX XXXX XXXX {$540.00} XXXX XXXXXXXX XXXX {$220.00} XXXX XXXXXXXX XXXX XXXX {$2000.00}
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (TX)

I tried calling the company multiple times letting them know its not me who tried to open an account Ive been with the same phone and cable company for years but they were not trying to hear me out
Consumer complaint received 2020-09-10
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. (NJ)

I have been trying to fix my credit with the 3 agencies for quite a while now, but recently I have been stuck at a certain credit level and no matter what I do it's just getting worse. It doesn't matter if I pay the department of education {$2500.00} for something that I was told was paid off or do exactly what the website tells me to do. 

The Experian website said I had a loan balance that was too high. That was one of the reasons for my credit being low, but now after I paid it it dropped another 7 points. So now I need to open up a new loan to get my score back up? This is complete insanity. Once I open up a new loan I'll take another hit and my credit will be even lower because I have new credit. It is not fair to hard working people struggling to just live and work, but you guys allow these credit agencies to make lives even harder. But I followed what the website told me to do. Their own site told me my loans were too high, so I paid them off. Now my score drops again.
Consumer complaint received 2020-08-05
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 (NY)

I have had a Bank of America Credit card for 25 years. On XX/XX/2020 I received an email from BAC stating they had closed my account for inactivity ( 5 months ) and a delinquency on my credit report. I received a letter today from BAC saying my XXXX XXXX score is XXXX but when I checked it is XXXX. I believe they closed the account because the interest rate was only 7.9 %. I have never in 25 years made a late payment. 
To add insult to injury I received an email today from Bank of America offering me a new credit card ... at a much higher interest rate.
Consumer complaint received 2020-09-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (GA)

I was not made aware that a balance was remaining on a XXXX account, neither that it was placed into collections. I NEVER received a bill from this company, never received a notice via mail, never received a phone call ( call logs can be provided ) or voicemail. I contacted this company today for the first time and they said they emailed ONE notice in XXXX to an OLD email address that was compromised, and I have no access to. They confirmed over the phone on a recorded line that they did NOT receive my consent to send anything via email and they never verified that was even my email address. Now, my personal information is floating around on the DARKWEB because they claim they sent this to an email they previously got from XXXX. If I owe a debt, I make such arrangements to pay ; however, this is not a debt that I should be held liable. The managers XXXX and XXXX were so very rude and hung up on me three times saying they didn't know it wasn't my email address and whether they send a notice or not, they tried to call and will not remove from my credit or help me resolve. How can this be fair that something is sent to collections and reported although little, to NO notice is given and they confirmed this on a recorded line. The collector has five days after the first contact with the person to Notify you in writing that you owe the creditor money And Notify you of your right to dispute the debt neither was done because I never had  contact with the company and had no knowledge of such debt.