davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by XXXX XXXX XXXX XXXX XXXX. Also, by Experian Credit Reporting Agency and XXXX XXXX XXXX does n't have the rights to collect debt in the State of Texas? They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made Experian aware of this they have not done an accurate investigation on XXXX XXXX XXXX. So, I called XXXX XXXX for the Secretary of State Texas Debt Collections Division and found out that XXXX XXXX XXXX is breaking : " Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. Also, you can not operate in the State of Texas with a P.O. Box as a debt collector. I am in need of another Investigation to remove them from my credit report please.
Consumer complaint received 2016-10-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

We fell behind in our mortgage. After 3 months we were told that we could n't make any payments until we had the full amount owed. Since then we have tried applying for making home affordable which from my understanding we did n't qualify for. Then they offered us a streamline modification which mathematically made no sense. To me it seemed borderline criminal. We were also told to just go ahead and make trial payment to keep our house out of foreclosure, which I do n't know if I can believe.
Consumer complaint received 2016-10-31
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (WI)

In XXXX 2013 I did a loan modification due to being delinquent in my house payments for approximately 6 months. Since it was thru Wells Fargo Bank everything was done thru the mail. On a {$84000.00} loan, I was required to take out a second mortgage for {$32000.00}. I 'm certain some of that was because I was {$6000.00} arrears but it was never explained to me what the additional {$26000.00} was for. I do n't have any documents showing itemization. I have asked many times and even put it in writing for copies of all loan modification documents from XXXX 2013 but today the bank has n't complied. Their phone number is XXXX XXXX XXXX XXXX. Thank you for your help in this matter.
Consumer complaint received 2016-10-31
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLANET HOME LENDING, LLC (FL)

My loan went into forclosure due to an issue with a divorce. Once I got that out of the way I filed for bankruptcy and put the house on the market for sale. I got a full price offer within 15 days and went to set up closing on XXXX XXXX, 2016. My title company requested closing documents from Planet Home Lending ( my mortgage company ) on XXXX XXXX. When we got to XXXX XXXX, and had not received closing docs we called Planet home Lending who said they see they received the request but ca n't find it. Please resubmit. So we changed closing to the XXXX of XXXX and resent request. We never heard back again so on the XXXX we called and they said we would have in the morning before my title company got in the office. We are calling and emailing everyday at this point but only being able to speak with customer service and they would not let us speak with the closing docs dept. so long story short we have had to cancel closing 4 times. We are set for closing now on XXXX XXXX but seems like we are not going to get closing docs. I have had to allow buyers to move in home with free rent for almost a month now and I have had to pay electric and water to not get them to pull out of sale. They said if we do n't close XXXX XXXX which will be the XXXX time we have cancelled closing due to not having closing docs. So I have had to get charged for an extra month of mortgage, extra month of penalties and fees and the rent, electric and Water and now I may lose the entire sale. I feel because I have so much equity in the home that they are trying to sabotage the sale of the home so they can foreclose and repossess the home. I was told there was a law that gave mortgage company 7 days to give pay off. We have been waiting almost XXXX now with no end in sight. Please help! 

XXXX XXXX
Consumer complaint received 2016-10-31
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Service, Inc. (CT)

I received a letter of a debt in which I have NEVER had. I called and asked for supporting documentation and they stated that it was a debt from 1999 and if I did not dispute then that there is nothing that I can do now. I explained that I NEVER had the account how could I dispute it. Would not let me complete a sentence, stating I was yelling which I did because she was extremely rude and would not let me finish a sentence. Talked over me the whole time.
Consumer complaint received 2016-10-31
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I have a credit card with my ex-wife that is seven years old. I did n't realize it was never taken care of and was never contacted of this debt. Come to find out that the credit card is at a law firm and they increased the balance over {$2000.00} on top of capital one increase for late fees and interest. The credit card started out with a {$3000.00} limit. Now the balance is at XXXX. I 'm willing to take care of the debt but nobody 's willing to contact me back to discuss pay off or payments. Please let me know what to do I ca n't afford a lawyer. and they wo n't talk to me?
Consumer complaint received 2016-10-31
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I opened a new Bank of America account in XXXX 2016. There was an unauthorized activity on my account which caused the insufficient funds and the bank wanted to close my account based on risk assessment. But when I went to the financial center and explained them the situation, they said that the insufficient funds charge had fallen off and that I would not need to file a claim. The bank also returned the NSF fees. But now after a month, my debit card was blocked and I realized from the bank that my account is being closed all of a sudden. They also are reporting me to the chexsystems, which means that I would not be able to open a new account for next 5 years in the USA. I do n't want to get penalized by not having an account for not making a mistake. I wish to get a response as soon as possible because it would create a lot of problems for me since I am just starting with my career here.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently pulled a copy of my TransUnion consumer report and noticed some items reporting on my credit file that arent reporting on XXXX nor XXXX so maximum possible accuracy under the compliance procedures section of the FCRA has been violated ( 15 USC 1681e ( b ) ).
Consumer complaint received 2016-10-31
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (MI)

My auto loan is through GM Financial, payments are due on the XXXX of the month. I pay my payments online, when I went to make a payment on XXXX XXXX 2016, the system showed that I had a past due amount. All payments were made to date and the only payment due is for XXXX XXXX 2016. I had to make a double payment when nothing was past due. In a " chat '' conversion with XXXX, it was stated that the system shows past due on the due date. This is very wrong. I have not budgeted for a double payment. Their only resolution was to cancel my payment and repay. However now it is the XXXX and I would be past due, the system still shows past due due to the payment not processing yet, and i now would be making a late payment. 
I want them to refund the over payment after it has processed AND they need to " Fix '' their system to not show a payment is past due until the day after the due date.
Consumer complaint received 2016-10-31
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (FL)

I have written twice for verification, of my signature, that this debt is mine, and twice they sent nothing that verified it was mine, then another letter stating that they sold my account to XXXX XXXX, but yet they still report on my credit report with no proof it is mine. Any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from their company or any company that they represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, they need to request that all credit reporting agencies delete the entry.
Consumer complaint received 2016-10-31
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CO)

HARD MONEY LENDER AGENTS WHO ARE NOT EVEN LENDERS/BANKS ARE SHARING MY CREDIT FILE AND PERSONAL CREDIT INFORMATION INCLUDING MY SOCIAL SECURITY NUMBER AMONG THEMSELVES. 
THERE ARE COMPANIES SUBMITTING HARD INQUIRIES ON MY CREDIT REPORT WITHOUT MY PERMISSION. 
I HAVE TO KEEP FREEZE ON MY CREDIT FILE TO AVOID RUNNING MY CREDIT BY THESE AGENTS. 
THE HARDMONEY LENDER INDUSTRY NEEDS REGULATION AND MONITORING AS AGENTS WHO ARE INDIVIDUALS OBTAIN ALL PERSONAL FINANCIAL INFORMATION.
Consumer complaint received 2016-10-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I 've been repeatedly called and sent mail from this company stating I owe money to a bill I do not recognize that originated in 2001. I told them verbally that they have the wrong person and to please stop harassing me. Additionally, I 've asked them to take it off my credit report, which they refuse to do. 

I try very hard to take care of my credit rating and am upset that a debt from 14 years ago ( that is not mine ) has stayed on my report that long. Thank you for any assistance in clearing this up.
Consumer complaint received 2016-10-31
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed several reports on my Transunion credit report. After repeated request for XXXX to mail me an up to date credit report showing the corrections that were made and my current credit score they have failed to comply with my request.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing this complaint against TransUnion LLC for failing to properly investigate and remove an inaccurate account from my credit report, despite multiple disputes. On XX/XX/2024, I submitted my first dispute regarding the XXXXXXXX XXXX account ( XXXX ), followed by a second dispute on XX/XX/2024. Despite these efforts, the erroneous account remains on my credit file, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

The XXXX XXXX account ( XXXX ) is not mine, as I have previously informed TransUnion. Both XXXX and XXXX have already deleted this account from their records, yet TransUnion has failed to take similar action. 

TransUnion continues to rely solely on the creditors information without conducting an independent investigation, contrary to the precedent set in XXXX XXXX TransUnion Corp. This ruling makes clear that credit reporting agencies are obligated to perform a reasonable investigation rather than blindly accepting information furnished by a creditor. 

I respectfully requested that the FTC investigate this matter and ensure TransUnions compliance with FCRA requirements. I have attached copies of my dispute letters to both the FTC and Transunion as well as documentation proving the account was removed from both XXXX and XXXX.
Consumer complaint received 2022-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I am filing a bank fraud complaint against JP Morgan Chase Bank regarding an unauthorized debit transaction from my checking account. 
Someone withdrew {$2500.00} from my account over the counter without my authorization at JP Morgan Chase branch located at XXXX XXXX XXXX, XXXX, NY XXXX on XX/XX/2022. The withdrawal slip shows a signature different from my ID signature. The persons date of birth, address and phone number do not match my personal information in Chase bank system either. 
I want to make it clear that the debit transaction was not carried out by me in any form. In fact, the fraudulent transaction succeeded because bank employee did not follow standard protocol, failed to verify customers identity. Chase Bank ignored their own mistakes and promptly denied my claim without conducting a thorough investigation.
Consumer complaint received 2016-10-31
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Monterey Financial Services LLC (FL)

I had a loan with Monterey Financial Services, LLC. The loan was paid in full with no late payments approximately 4 months ago. Monterey Financial Services, LLC has failed to report the loan to all XXXX mayor credit bureau and failed to report the account is closed and paid in full.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Im having problems with Consumer Finance Protection Bureau not following Private Placement Program rules and jurisdictional protocols when it comes to companies privilege and regulations for reporting information on my credit. My credit score reflects a judgement that was vacated and not in favor of the defendants. Several illegal things have been done and none of them were allowing my credit report to have a repossession or amount owed due to XXXX XXXX Fair Debt Collection Act that omits any collections after a said breach of contract happened and was never rectified in what would be a 10-day Payoff period to a previous Finance company. This resulted in a late penalty and false state registration in Indiana of my vehicle without my knowledge.
Consumer complaint received 2024-10-14
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These charges are not familiar to me- I have a freeze on my credit that has been there since XXXX not sure how this is happening.
Consumer complaint received 2024-10-14
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. (IL)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was paid on time. Consumer reporting agencies need to report all information accurately. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to be paid on time immediately. Thank you for your understanding andpromptaction.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

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. 

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 2024-10-14
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. (CA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-14
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. (MO)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.