davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

ssistance in addressing serious inaccuracies and unauthorized activity on my credit reports that have not been corrected despite my repeated efforts to resolve them directly with the credit reporting agencies. 

After obtaining my Federal credit report, I discovered multiple inquiries on all three of my credit reports ( Experian, XXXX, and XXXX ) that I did not authorize. In addition, I have identified several other discrepancies, including : 1. Collections Misreported : Accounts that have been paid off are still showing as open collections, and they continue to reflect as negative items.

2. Inaccurate Status of Accounts : Paid-off balances are still being reported as delinquent or showing as having late payments, which is affecting my creditworthiness.

3. Incorrect Personal Information : My credit report contains aliases and variations of my name that I have repeatedly requested to be corrected or removed, yet they remain.

4. General Inaccuracy and Misreporting : Other items on my credit report are simply not accurate or up-to-date. 

I have sent multiple dispute letters, followed up by phone calls, and have repeatedly asked the credit bureaus to verify the accuracy of the reported information, but they have failed to do so. In most cases, my calls are dropped, or I am transferred and subsequently disconnected without resolution. This has been extremely frustrating and has created a significant hardship, as these inaccuracies are negatively impacting my financial stability and my ability to provide for my family. 

As this has caused me considerable stress and detriment to my credit standing, I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that the credit reporting agencies take appropriate corrective action and resolve these disputes in a timely and thorough manner. 

I would greatly appreciate your assistance in bringing this matter to resolution and ensuring that my rights under the Fair Credit Reporting Act ( FCRA ) are upheld. 

Thank you for your attention to this issue.
Consumer complaint received 2018-10-29
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. (HI)

I have disputed the late payments on this XXXX  XXXX account for months. XXXX   and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

This is my numerous attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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
Consumer complaint received 2024-10-07
Product: Credit reporting 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. (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2017-04-19
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Javitch, Block & Rathbone LLC (OH)

I was contacted about a judgement from   XXXX   whic h Javitch Block got r eactivated. I understand that they are allowed to do this. I came to a payment arrangement of {$200.00} per month for which they refuse to provide statements or billings The payments are due the  XXXX  of the month. I paid late this month on the  XXXX  and attempted for several days to call and discuss ( after submitting the payment ) with no response. You get in the phone queue and are  XXXX  in line, you count down to  XXXX  or  XXXX  and are then put into a voice mail that is full and you can not leave a message. This is after  2 hou rs on the waiting line. I did submt an online payment. They did not take the payment I submitted and have a confirmation number for I have sent a fax asking for contact, I have sent several messges. I have been in endless loops trying to speak to someone. I called and spoke witth an operator who immediately put me into a recording without listening to me. Currently am in a loop that tells you there is n o one av ailable to assist, your call will be returned in the order receied, you are advised to leave a message but then put into a voice mail that can not take a message. Please try it :  XXXX . I do n't know what to do about them.
Consumer complaint received 2017-04-18
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

I returned a leased vehicle to  XXXX  on  X/XX/XX , before the lease through   XXXX   XXXX   XXXX    matured on  X/X/XX . Dealer reviewed vehicle and did not see any damage, however said a third party reviewed all vehicles upon return and would do so in the next week.   On  X/XX/XX  a check was issued and mailed to my correct address from   XXXX   XXXX   XXXX   for {$530.00} in over payment after satisfactory completion of the lease and return of the vehicle.   I did not receive any further correspondence in regards to the lease from either   XXXX   XXXX   XXXX    or  Toyota Motor Credit Corp  for all of   XXXX  . On  X/XX/XXXX , I received a letter in the mail ( dated  X/XX/XX  ) from   XXXX   XXXX   XXXX   XXXX    ( a debt collector ) w hich said I owe {$1500.00} to  Toyota Motor Credit Corp and said " your leased vehicle was returned and your account balance may consist of one or more of the following charges : unpaid lease charges, mileage and/or wear and use over and   above the allowed by your lease agreement ''.   I contacted both   XXXX   XXXX   XXXX   and  XXXX   XXXX   XXXX  and inquired about the letter and also why I was receiving notification of any supposed issues 13 months after the vehicle was returned with no communication in the interim other than the refund check I received from   XXXX   XXXX   XXXX   for satisfactory completion of the lease. A   XXXX   XXXX   XXXX   representative said additional correspondence was mailed - however they notice it was mailed to another address in a different state. The representative also said now that the matter was with a debt collector they will not provide that correspondence and I must work with the debt collector.   I contacted  XXXX   XXXX   XXXX  and their representative was just extremely rude, said they just received the file, do not have any of the correspondence, but the debt is mine and demanded payment and that I tell them how I will pay.   Very frustrated with both organizations. I was issued a refund check, received no correspondence for over a year, and now am being told I owe {$1500.00}. I also know for a fact there was nothing wrong with the vehicle when I returned it and the milage was well below the amount allowed under the lease terms.
Consumer complaint received 2018-10-29
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. (AZ)

I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2017-04-19
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (FL)

In   XXXX   XXXX     I received a letter from  XXXX   XXXX  stating they were collecting on my  JCP credit c ard account with balance due of {$640.00}. I responded back that had an active and current account with  JCP and perhaps there was fraudulent activity. The response back demonstrated that JCP was sending bills to a ve ry old address in another state even though they had my correct address on my active account. I often shop without my physical card and it is possible the cashier charged my purchase to an old account that apparently was still open. I responded that while I could not definitely dispute the purchase, I did not feel is was fair to pay fees and charges for past due billing that was never properly sent to me. I offered to settle for the amount of the purchase and requested that my credit history be corrected since I was never given a fair opportunity to make payments. In   XXXX   XXXX     I received a letter from  XXXX  saying they were no longer pursuing collections. I have not received any further communication and assumed JCP was not interested in receiving a settled amount and that my credit history was corrected as requested. I recently found that  JCP  still reported me as a Charge-Off and I have   XXXX  d elinquent payments reported. This is impacting my  Credit Score  and my opportunity to obtain a  Home Equity Loan . I do not know how or why I have  XXXX  account with  JCP but  this seems unfair to me. I confirmed with Synchrony Bank they received my dispute last year and they never completed an investigation.  I hope CFPB may be able to i ntervene on my behalf.
Consumer complaint received 2017-04-19
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I receive frequent calls from  Portfolio Recovery Services.  While I was willing to talk with them at first they began to call so frequently and began to try and guilt me into paying a debt I explained I could not afford that I was forced to block them. They continue to call me nearly every day from a new number.   At one point, they called so frequently that they called within five minutes of my phone being reactivated.
I have ten or eleven phone numbers blocked from them sinc  e   XXXX   alone. There is always a n  ew one, with a new area code to disguise who they are.
Additionally, I have been insulted in their aggressive attempts to collect, one caller go  ing so far as to accuse me of " living off the system '' when I explained I was not married and did nor work and so I could not make a payment on what was a medical credit card debt. I am a student.     I have been criticized and pushed when I have explained my inability to make a payment, to the point I have had to hang up to be left alone. I have been shamed for not being able to do a payment plan like they want me to and I have been reprimanded like a child for being too busy getting off a flight to visit family for  XXXX  to call them.
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NC)

I have XXXX hard inquiries on my Equifax credit file that I clearly did not authorize. I asked the agency to provide me with proof multiple times and each time the say verified which I know they did n't. These are the inquiries XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  10/4/2016, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. Please remove.
Consumer complaint received 2018-10-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: SUNTRUST BANKS, INC. (KY)

i have increase my credit score by 30 points also have been waiting several months for 5 inquiry to go off my credit score that did go off in XXXX after this started to get emails from XXXX and letters in mail from them saying pre approve for loan so i taught was in good shape so i apply got pre approve so submitted rest my info then got denied so this added another inquiry on credit i never would have apply if they made me think i would get approve by sending me email and letter right after my hard work getti g score up and waiting for inquires to go off just to turn around get one put right back on and score drop down few points again.. I would like for them to take the inquiry back off. if you dont have them do it i caint cause they will just say i apply which is true but not untill they started sending me emails and letters after i work to get score up and inquiry off
Consumer complaint received 2017-04-19
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

When I called Bank  Of America to d ispute  one of  the charge on my account, the lady nam e   XXXX   XXXX  ??? ( She told me she does not have working ID, I ask to speak to a super adviser then she told me she is the SUPER ADVISER  ) told me there are   XXXX   transactions  XXXX  on  XXXX   XXXX  for {$780.00} another   XXXX   on  XXXX   XXXX  {$21.00}. I told her I did not authorize the current  XXXX  which is {$780.00}. But she told me she can only dispute   XXXX   on  XXXX   XXXX  {$21.00}. She said " Let me explain to you how dispute works, since you did not authorize this service, we have to only dispute the   XXXX   XXXX   ''. I told her the   XXXX   XXXX     on  XXXX   XXXX  only {$21.00} I do not care about that one. Then I told her double times again " I did not authorize current   XXXX   on  XXXX   XXXX  {$780.00} ''. Her answer is unacceptable : '' No sir, you do not know how dispute works, I know {$780.00} is a big benefit for you, but I can only dispute the one on  XXXX   XXXX  {$21.00} " Seriously Bank  Of America, it is benefit you, not benefit the customer who deposit their money in your Bank ( Do not forget customers pu t the money then you use the money to grow your business ). WHAT A  FRUD  BANK,  XXXX  A BIG JOKE. BASICALLY, YOU CAN DEPOSIT MONEY IN BANK OF  AMERICA  ANYTIME, BUT WHEN YOUR MONEY GONE FROM YOU ACCOUNT WITHOUT YOUR AUTHORIZATION THEN BANK  OF AMERICA NOT BE RESPONSIBLE FOR THAT. IF THEY DO THEY WANT TO CONTROL ONLY BENEFIT BANK OF AMERICA NO T THE CUSTOMERS. THIS IS HORRIBLE SERVICE AND THEY ARE MISTREATING THEIR CUSTOMERS. ALSO I AM A FOREIGNER, SO BANK O F AMERICA VERY    XXXX   TO TREAT A FOREIGNER PERSON!!!
Consumer complaint received 2017-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (FL)

your company failed to provide the required notice of additional required documents within  five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application is entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ).
Consumer complaint received 2018-10-29
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: SYNCHRONY FINANCIAL (NV)

I have a hard inquiry from Synchrony financial on XX/XX/2018 but I haven't applied for a credit card or a loan with this company. I already contact the credit bureaus and placed a fraud alert on my credit report. Please remove this fraudulent hard inquiry from my credit report.
Consumer complaint received 2018-10-29
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. (TN)

CHAPTER XXXX BANKRUPTCY : DISCHARGED I requested for an investigation because CHAPTER XXXX BANKRUPTCY : DISCHARGED have nothing to do with me. I am a victim of identity theft and its not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP
Consumer complaint received 2018-10-29
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC (NE)

XX/XX/2018, My wife and I came across an acreage we fell in love with. With the conditions of the home and past financial difficulties in our past, we knew this was a long shot to aquire. With some research and talking with my realitor she pointed us in what we thought was the right direction. We contacted the mortgage company that could help us with an FHA 203k loan. This was around XX/XX/XXXX. The process moved along pretty smooth. With a few hiccups with contractors and insurance through half of XX/XX/XXXX. With our sites set on closing XX/XX/XXXX we had no idea how far off that dream was. XX/XX/XXXX loan was dissolved and started over the beginning of XX/XX/XXXX. With no closing date in site I was put back in the blender. More documentation, bank statements, pay stubs, Drivers licence, proof of fund 's, update my job title, question my pay stubs and why I make so much more money than last year? Did I go to school, was I educated or did I have special training? My ChXXXX comes back up, I've sent discharge documents on this months ago. I start wondering why they keep digging into stuff? Why We aren't moving forward? Now its XX/XX/XXXX, Appraisal finally gets done. They or someone wants mold remediation plan wrote up. Issues with the foundation arise. Ask for rental history verification again after 3 month. Start digging into my credit and private student loans. Making my contractor change his bid on several occasions. Starting to feel hopeless at this point. Its now XX/XX/XXXX. Wasted weeks if not months of repair time. Still feeling lucky to have contractors on board at this point. Closing? I'm thinking XX/XX/XXXX.  XXXX XXXX contractors business not registered with the state comes up after 4 months. XX/XX/XXXX stuck on mold and foundation issues. XX/XX/XXXX want paint and mold added to the contractor bid. At this point I'm furious, ready to walk away from my dream. XX/XX/XXXX XXXX sign Closing Disclosure Documents for a closing date of XX/XX/XXXX. XX/XX/XXXX XXXX? Discrepency in some figures? Sorry not closing today. Please help! I feel like I'm being set up for failure. Non of this has felt right.
Consumer complaint received 2017-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (NC)

I purchased my home a little under  three years ago. The purchase price was {$250000.00}, I made a {$2 0000.00} down payment and now owe {$190000.00}. I have over 20 % equity. I have never made a late payment and I have an  XXXX   credit score. De spite all facts abo ve Freedom  Mortgage refuses to cancel my PMI. I have submitted several written requests, made several phone calls and exhausted all options I am aware of. They keep denying my requests with no attempt of providing an explanation. They only answer I have been able to obtain is that the decision is made by a team of people I ca n't talk to. Please help.
Consumer complaint received 2017-04-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (IN)

I was taken to the hospital while on duty with the Indiana  XXXX   XXXX   XXXX . The bills are essentially workman 's compensation injuries. The state has neglected to resolve this issue in a timely manner, and I am still in the process of having them take care of the bill. Please contact my liaison  XXXX   XXXX  at  XXXX  XXXX  XXXX  or  XXXX
Consumer complaint received 2018-10-29
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: Experian Information Solutions Inc. (TX)

I have many inquiries that were checked in XXXX and XXXX and were not authorized by me if send letter to all the companies that checked the credit and no respond this is getting frustrating. I also called the credit bureaus and they explained to write letters which I did.
Consumer complaint received 2018-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

This debt was made by a family member that used my social security number. when I first learned of the debt I contacted the collection agency and they told me the debt was in the family members name but my ssn # and work information was used and now they are saying the debt is in my name and that information was not told to me, I asked if they would provide a copy of the actual document and they said they could not ... I've never lived at the address where the debt occurred I lived at the address prior to where I live now for 7 yrs never late with rent always paid on time or days before. Thank you for your time and help with this matter
Consumer complaint received 2017-04-19
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Bread Financial Holdings, Inc. (IA)

Comenity is  harassing my phone number by calling several times in one day. When I answer and ask who is calling they do not dispose of that information. They give me their personal name and when I inquire what company they are with they will not disclose that information. They keep calling using number  XXXX  from Colorado.
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: SYNCHRONY FINANCIAL (IA)

I opened a  JC Penny credit card at a JCP store  on   XXXX   XXXX    , at that time they did not tell me that card had a anual fee. Then I left for another country for  XXXX  years. When I came back, I was informed I owed the card {$130.00} annual fee. It was really unfair but I  paid it off. Finally I found this had been recorded in my credit history. It is not my false. JCP has the cheating behavior. I want to remove this charge off record from my credit history.