davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
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. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : 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 XXXXXX/XX/year>
Consumer complaint received 2024-10-23
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: EQUIFAX, INC. (VA)

I recently reviewed my credit report and found multiple inaccuracies across several accounts. For example, XXXX XXXX incorrectly reported late payments for various months, including showing on-time payments alongside remarks of repossession. XXXX  XXXX also shows inaccurate late payments for XXXX and XX/XX/year>, and XXXX XXXX reported a debt without proper validation. 

I have requested Equifax to investigate these inaccuracies under 15 USC 1681i ( a ) ( 1 ) ( A ), and for XXXX XXXX, I am requesting validation of the debt under the FDCPA.

These items should be removed if they can not be verified within 30 days.
Consumer complaint received 2018-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

I have a vehicle loan for 14 months, and I have paid excellently, but it is not reflected in XXXX or equipax, it only appears in XXXX, according to XXXX  and equipax I do not have open accounts and they are denying me all kinds of credits for the information they were providing from my credit
Consumer complaint received 2024-10-04
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. (NM)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. 


XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-04
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. (NM)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
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 2018-10-05
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. (NY)

XXXX XXXX is intentionally violation the FTC FCRA rules by intentionally reporting balance inaccuracies to the credit bureaus. I have disputed the balances and the status of the account multiple times and XXXX returns with a difference balance that they intentionally know is incorrect in order to impact my credit. The account is reporting in a charge off status, each month they report the account as a charge off, however, the balance is incorrect, the date of initial delinquency is incorrect and the account is managed/sold to XXXX XXXX, who contacts me about the balance.

Per their website the balance remaining on my account is {$14000.00} as of XX/XX/XXXX. The terms is reporting as 73 months and not 72 months per my XXXX  statement. I disputed the balance in XX/XX/XXXX and they returned stating the balance is {$21000.00}. I disputed the balance again in XX/XX/XXXX, on one credit bureau report they stated " Account charged off. {$24000.00} written off. {$21000.00} past due as of XX/XX/XXXX '' to Experian. The statement of {$24000.00} being written off is a factual inaccuracy and it is the obligation of the creditor to report factual information or delete, update or remove the account.

Per my Deficiency letter dated XX/XX/XXXX, the vehicle was sold for {$10000.00} with all of their fees the deficiency balance is {$17000.00}. Again, this was dated in XX/XX/XXXX which means all of the reporting after XX/XX/XXXXwith the inaccurate balances was based off of inaccurate information from XXXX. An intentional effort to report false information and a clear example of XXXX  failing to abide by the FCRA rules.

Again, I have disputed this account for years, at each attempt at disputing the balance is returned with a different amount which is in violations of the FTC FCRA 623 ( b ) ( 1 ) which states If a CRA notifies you that a consumer disputes information you provided, you must : investigate the dispute and review all relevant information provided by the CRA about the dispute ; report your findings to the CRA ; provide corrected information to every CRA that received the information if your investigation shows the information is incomplete or inaccurate ; and modify the information, delete it, or permanently block its reporting if the information turns out to be inaccurate or incomplete or cant be verified. FCRA 623 ( b ) ( 1 ).
Consumer complaint received 2018-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I submitted a dispute to TransUnion on XX/XX/2018 regarding 5 collection accounts that appear on my credit report that were either paid in full by insurance, services billed for were not actually provided and/or the acct never belonged to me ;. Today is XX/XX/2018 and the dispute remains in " pending '' status. Now there are new/updated collection accounts that do not belong to me in addition to those ALREADY disputed, however I can not dispute the newly added collection accts due to the unresolved dispute still open. It has been over 90 days since the original dispute was issued and my financial situation but is suffering as result of this inaccurate reporting and delayed corrective action on the part of TransUnion.
Consumer complaint received 2018-10-05
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. (FL)

I have submitted documentation to Experian from the company they have claimed to have verified the information from. They still refuse to deleted the infoemation from my credit report even after I supplied the documentation. Please Investigate.
Consumer complaint received 2018-10-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (CA)

Cavalry Portfolio Services proceeded to place a collection item on my credit report for their client XXXX without ever sending a notice of right to dispute. I contacted them several times to delete the adversely reported item and they refuse to do so. I requested validating information identifying me as the owner of this account and they have not been able to send me anything that indisputably identifies me as owing this debt to XXXX yet outright placed the item for collection on my credit report. I demand the immediate deletion of this adversely reported item on my credit reports.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am submitting this complaint personally regarding late payments appearing on my credit record. Upon examining my files, I discovered these late payment entries. I sent correspondence about this issue more than 30 days ago, but have yet to receive any response or adequate validation. I'm seeking your help to address and resolve this situation quickly and efficiently.
Consumer complaint received 2018-10-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (TX)

My husband and I have an negative escrow balance of {$9500.00} and an escrow shortage of {$13000.00} with Homebridge Financial Services. Our mortgage continued to increase from {$1100.00} to {$1600.00}.

In XX/XX/XXXX, because of the constant increase in payments, with Homebridge, a loan office by the name of Ms. XXXX XXXX told me about tax deferments, and how they worked. 

Ms. XXXX contacted her XXXX, Ms. XXXX XXXX, who needed something in writing from our XXXX Co XXXX XXXX to this effect ; We got the written communication from the tax assessor and Ms. XXXX gave the go ahead with the deferment. 

Homebridge honored the tax deferment from XXXX to XXXX. During this time, we thought the taxes were being deferred and not considered delinquent. Unbeknownst to us, HomeBridge was advancing funds to cover the taxes. 

We have been in constant communications with Homebridge via email, phone, and certified mailings regarding the situation. We have spoke with Mr. XXXX XXXX out of the XXXX, TX Office on XX/XX/XXXX and several occasions afterwards. 

There have been several communications w/ Ms. XXXX XXXX XXXX VP of Customer Serv. on several occasions via phone, email, phone calls ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), certified letters sent to Mr. XXXX XXXX, XXXX, Mr. XXXX XXXX, XXXX both on XX/XX/XXXX ; I spoke with Mr. XXXX XXXX, VP on XX/XX/XXXX, all in vain. 

Homebridge sent a certified letter addressed XX/XX/XXXX from Ms. XXXX basically telling me there was nothing to be done to assist w/ our situation. 

Our homeowners ins expires on XX/XX/XXXX ; We changed ins companies and paid the insurance in full for the year. Homebridge in the meantime paid the ins up front a moth in advance, which will increase the mortgage, again. We paid it ourselves to hopefully decrease the mortgage. Now, ins has been paid twice! 

My husband is a XXXX, both of us are senior citizens, on or about to be on XXXX, and on a set income. We are struggling to meet the new increase. We negotiate monthly between buying our medications and making the unaffordable mortgage payment. 


See attachments : We need CFPB 's help!
Consumer complaint received 2018-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (CA)

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Consumer complaint received 2018-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was involved and purchased services from a company called XXXX. XXXX is currently being sued by the FTC and has an injunction against them from doing any business or providing any service because the services they provided have been concluded are scams and a fraud. All attempts to contact XXXX for a refund is not available because of a restraining order that is indefinite. 
I have made a dispute claim with the credit card that I used from Bank of America. Bank of America claims to have been in contact with this company even though the court documents prohibit any contact with XXXX or its affiliates. Any contact with XXXX is a direct violation of that court order. Either Bank of America is lying or they or committing an illegal act.

Bank of America also did not provide details of their investigation nor did they provide details of their contacts with XXXX   or why they have denied my claim.
Consumer complaint received 2018-10-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (CA)

XXXX XXXX XXXX RESURGENT CAPITAL SERVICES L.P. account no.XXXX are wrongfully appearing on my XXXX and XXXX credit bureau XXXX XXXX XXXX the debt buyer for XXXX, ALSO ACCT NO.XXXX.THE ACCOUNTS HAVE BEEN RE-AGED.The correct date of first delinquency is XX/XX/XXXX DAYS LATE.The account was never brought current and was closed by the creditor on XX/XX/2012 when it was 90 days late. 
I have attached both the original creditors reporting to XXXX that have been verified many times along with XXXX XXXX.it is easily seen that the information, though verified as correct reports wildly different between the bureaus and is incomplete on key payment history dates. 
IN two months from today, if accurately reported both the original creditor and XXXX XXXX would age off the report. 
Please note what appears to be intentionally fraudulent reporting by the collection agency and original creditor.
Consumer complaint received 2018-10-01
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: Experian Information Solutions Inc. (TN)

On or about XX/XX/2018 I submitted my first dispute letter, per section 609 of the consumer 's Fair Credit Reporting Act section to each of the major credit bureaus, XXXX, Experian, and XXXX to inform them about the incorrect account reporting on my credit file. There is a total of XXXX negative items that were disputed. 

I did not receive a favorable response from neither of the credit bureaus. I have submitted dispute letters every month since XX/XX/2018 through XX/XX/2018, which totals 8 months and 8 dispute letters. 

The last response letter that I received from Experian stated that the investigation will no longer continue, although I have sent new information to support my claim. 

The last response that I received from XXXX was only a copy of my report reflecting no changes in the investigation process. I requested information regarding how the investigation process was conducted and who verified the accounts, but I have not received a response from XXXX regarding the investigation process. 

The last response that I received from XXXX stated that the information was verified as accurate although NO actual proof was supplied by the collection agencies nor creditors to XXXX. XXXX updated each disputed account with information regarding the credit entry rating, payments made, name correction, etc., but none of the actual information was deleted per my request. The accounts are reporting incorrectly, and should be deleted.
Consumer complaint received 2024-11-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I sent in a XXXX application on behalf of my daughter ( as a parent ) and she completed the student part. We got an offer on a loan and the interest rate was represented at XXXX % so we went ahead with the loan. Then I got information that the loan was at Mohela and when I looked at the details I saw the interest rate was over XXXX % which was absurd. I logged into Mohela and re-paid the loan on XXXX in full and including {$44.00} in interest, the loan amount was {$5000.00} and the amount I paid via my chase checking account was XXXX. I checked in today even thought I got a receipt from Mohela and it shows as no payment made and still shows I owe $ XXXX. How can I make a payment in an online system and they not show the payment but they charged my checking account on the day it was paid! Something is broken with their system. I have attempted to call in several times but the wait times are long. I also sent into their online system proof of the payment.
Consumer complaint received 2018-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

The Kohl 's credit card that had a XXXX limit was used by XXXX XXXX XXXX while I was incarcerated at XXXX metro corrections between XX/XX/XXXX and XX/XX/XXXX this can be verified call the jail and ask for records. I've disputed this with all companies. XXXX  is the only one that won't remove this. I've spoke with Kohl 's as well, the fraud people there took no time to make a decision that this was not fraud just because I didn't make a police report, well it is hard to make a report against someone who is deceased XX/XX/XXXX XXXX obituary. I did not use the card nor could it be possible for me to use it. Now they want to add {$180.00} in interest and offer me a 60 percent settlement which turns into paying XXXX for a XXXX limit. I'm not paying interest on a card I never used. Every month they report XXXX  failed to pay even though they closed this account and charged it off YEARS ago.
Consumer complaint received 2018-10-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX does not seem to follow industry standard as it does not accept automatic payments to pay statement balances in full. 

I am fortunate enough to not have any credit issues and I am able to pay my credit card balances in full each and every month. Unfortunately, I may not always receive my electronic statements, and I prefer to have my balances be automatically paid from my payment source. 

My electronic statement from XX/XX/XXXXwas filtered as spam. As a result, I was not aware of my balance and I was charged a {$27.00} late fee on XX/XX/18. Additionally, I was charged {$8.00} in finance charges on XX/XX/18. When I became aware of this, I immediately processed a payment to pay the outstanding balance in full. 

XXXX XXXX does not provide an option to automatically pay credit card balances in full. It seems like a sham so that they can increase their collection of late fees and interest charges. This seems to be by design and I'd venture to guess that this bank ( compared to others ) has a higher proportion of its income from credit card fees. 

I have not received an answer from XXXX on why they do not provide the option to automatically pay credit card balances in full.
Consumer complaint received 2018-10-01
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)

Please remove closed credit card accounts I have tried to have them remove the old charge off accounts or closed accounts that are over 7 years old and nothing has been done all old accounts that are no longer active and are over 7 years old should be removed immediately thank you
Consumer complaint received 2018-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (NY)

Exeter finance is intentionally violation the FTC FCRA rules by intentionally reporting balance inaccuracies to the credit bureaus. I have disputed the balances and the status of the account multiple times and Exeter returns with a difference balance that they intentionally know is incorrect in order to impact my credit. The account is reporting in a charge off status, each month they report the account as a charge off, however, the balance is incorrect, the date of initial delinquency is incorrect and the account is managed/sold to XXXX XXXX, who contacts me about the balance. 

Per their website the balance remaining on my account is {$14000.00} as of XX/XX/XXXX. The terms is reporting as 73 months and not 72 months per my Exeter statement. I disputed the balance in XX/XX/XXXX and they returned stating the balance is {$21000.00}. I disputed the balance again in XX/XX/XXXX, on one credit bureau report they stated " Account charged off. {$24000.00} written off. {$21000.00} past due as of XX/XX/XXXX '' to XXXX. The statement of {$24000.00} being written off is a factual inaccuracy and it is the obligation of the creditor to report factual information or delete, update or remove the account. 

Per my Deficiency letter dated XX/XX/XXXX, the vehicle was sold for {$10000.00} with all of their fees the deficiency balance is {$17000.00}. Again, this was dated in XX/XX/XXXX which means all of the reporting after XX/XX/XXXX with the inaccurate balances was based off of inaccurate information from Exeter. An intentional effort to report false information and a clear example of Exeter failing to abide by the FCRA rules. 

Again, I have disputed this account for years, at each attempt at disputing the balance is returned with a different amount which is in violations of the FTC FCRA 623 ( b ) ( 1 ) which states If a CRA notifies you that a consumer disputes information you provided, you must : investigate the dispute and review all relevant information provided by the CRA about the dispute ; report your findings to the CRA ; provide corrected information to every CRA that received the information if your investigation shows the information is incomplete or inaccurate ; and modify the information, delete it, or permanently block its reporting if the information turns out to be inaccurate or incomplete or cant be verified. FCRA 623 ( b ) ( 1 ).