davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-04
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. (IL)

I have spoken with numerous people at all 3 bureaus in regards to a bankruptcy showing on my credit report ... it is not mine ... what identifying information they use to report this because clearly they have not INVESTIGATED PROPERLY .... i received a updated credit report and this bankruptcy is still reporting as mine THEY SAID THEY VERIFIED THIS THROUGH A THIRD PARTY NAMED XXXX XXXX ... .. XXXX XXXX sent me verification that any and all information in my file is suppressed so how could this have been recently investigated.
Consumer complaint received 2023-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LD Holdings Group, LLC (TN)

On XX/XX/XXXX, my bi-weekly automatic payment was skipped. I contacted a representative to make the payment. The payment was moved to unapplied and then the 2nd payment made on XX/XX/XXXX was applied as unapplied. I contacted one of the representatives on XX/XX/XXXX, to request that both unapplied payment be moved to satisfy my XXXX mortgage. Then on XX/XX/XXXX, ( XXXX ) payments were moved from principal to unapplied to escrow. The total was {$100.00}. I have asked for several days to have the money moved back to principal. I was told that my escrow amount was short due to my property taxes increasing. However, I did not receive any documentation to support this explanation. My mortgage payment is showing the same amount that was shown last month and the month before. If my escrow balance was short, then my mortgage payment for XXXX would have increased. Normally, you have one escrow analysis per year and documentation is provided to state that an increase or decrease in your mortgage would be needed. This has not been provided. Subsequent principal payments were applied properly. This just does not make any sense to have to contact your mortgage lender XXXX times within a month concerning misapplied payments.
Consumer complaint received 2024-08-12
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. (CA)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (AZ)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX Balance : {$15000.00XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance XXXX {$0.00}XXXX XXXX  XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX.
Consumer complaint received 2024-10-11
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)

Subject : Dispute of Incorrect Bankruptcy Reporting Credit Report Reference Number : XXXX Social Security Number : XXXX Dear XXXX Consumer Solutions, I am writing to formally dispute the inaccurate reporting of a bankruptcy on my credit report, which I obtained through XXXX. This information is inaccurate and should not appear on my report, as I have never filed for bankruptcy. The incorrect entry is negatively impacting my credit, and I request an immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ). 
FCRA - Right to Dispute Inaccurate Information Pursuant to the FCRA ( 15 U.S.C. 1681i ), I have the right to dispute any information I believe to be inaccurate, incomplete, or unverifiable. Upon receiving this letter, you are required to : Conduct a reasonable investigation of the disputed bankruptcy reporting. 
If the bankruptcy can not be verified, the item must be removed or corrected on my credit report. 

Notify me of the results of the investigation within 30 days of receipt of this dispute. 
Provide me with a new copy of my credit report showing the corrected information once the investigation is complete. 

Details of Disputed Information : Type of Dispute : Incorrect Bankruptcy Reporting Account Name/Number : XXXX XXXX CT CA XXXX Date of Bankruptcy Reported : XX/XX/year> Court/Location Reporting the Bankruptcy : XXXX XXXX CT CA XXXX Please delete or correct this inaccurate entry and notify me once this issue is resolved. In the event that you fail to correct this error, I will have no choice but to escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal remedies. 

Please investigate this matter promptly and remove this erroneous bankruptcy from my credit report. I appreciate your attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-11
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. (FL)

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against EXPERIAN for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ).

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by EXPERIAN. Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by EXPERIAN about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA.

Request Therefore, I request that the CFPB investigate this matter and require EXPERIAN to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I checked my credit report and found a bankruptcy on the credit bureaus reporting. I called the bankruptcy court to inquire if the bankruptcy court reported the alleged item. The court said they do not call, fax, mail, give out, or report any court information to any credit bureaus. Thus according to FCRA any negative information must be verified accurately. Please remove the alleged bankruptcy item from my credit report.
Consumer complaint received 2024-10-11
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. (NJ)

" 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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXXXXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-08-29
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. (OR)

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. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX  XXXX # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX # XXXX, XXXX XXXX  # XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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.

Also these reporting agencies are not in compliance with XXXX XXXX credit reporting. I have evidence to prove my case. 

Furthermore, I never gave written consent to have ANY of these accounts on my personal credit report. 

I request these accounts be deleted immediately.
Consumer complaint received 2024-10-11
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. (FL)

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against EXPERIAN

for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by EXPERIAN. Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report.

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by EXPERIAN about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA.

Request Therefore, I request that the CFPB investigate this matter and require EXPERIAN to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect.

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer.

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-29
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. (FL)

I disagree with the results of your recent verification pertaining to the items reported on my credit account. I had initially lodged a dispute regarding this item, and I wish to address certain aspects of your verification process which I believe require further examination. In your response, it was mentioned that my claim is disputed, and a request for VALIDATION and PROOF OF CLAIM of the alleged debt was made in accordance with the Fair Debt Collection Practices Act, Furthermore, as a consumer invoking my specified remedy and as the original creditor, I understand that my request for VALIDATION and PROOF OF CLAIM is in accordance with applicable regulations, but I would appreciate further clarification and specific documentation in relation to these demands. Specifically, I kindly request that the certified copy of the original contract bearing my signature be provided, explicitly naming your company as an entity authorized to enforce a commercial claim against me.
Consumer complaint received 2017-12-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I finance a new 2017 Nissan XXXX through Nissan motor acceptance company and was sold gap insurance at the time. Upon the totaling of this car, Nissan approved me for a new loan for another car and the dealership told me that Nissan Motor Acceptance was approving my new loan only because I provided the proof that my insurance was totaling the first car. I financed a second XXXX and my insurance paid the claim. However, this transpired in XXXX and I have yet to have this other loan removed and am receiving derogatory impacts upon my credit report. You and NissanUSA try pushing the responsibility upon dealerships and gap companies and I have also contacted my Senator in regards to failures from this department to help me.

I know have confirmed that Nissan Motor Acceptance is at the center of all of these delays and is destroying their own paying customer 's credit with apathy. They have failed to provide me, the customer with any documents on file with this company proving the pay off of a refunded warranty package, which was required by XXXX XXXX XXXX ( Gap Company ) Nissan responded to many inquiries by myself by saying they sent the documents to me and the gap insurance company ; however, as of today, the gap insurance company confirmed they have never received any correspondence since the claim was initiated. This refusal to help the customer has come to great harm to my credit, my ability to find safe housing in XXXX California where I am attending University and caused me great emotional and financial harm. I was never provided with the documents as a customer that I required regarding the Gap insurance sold to me by Nissan and refused any acknowledgment of my pains or their responsibility in any of this. They have lied to me about what I was buying twice and treated me poorly from the beginning of our business dealings. I will also be sitting Down with my XXXX XXXX XXXX XXXX in hopes of getting help filing suit against this unfeeling company.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am a victim Please block and remove all items in question items : XXXX XXXX XXXX {$6700.00} XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

O

n XX/XX/XXXX, I applied and was approved for Bank of America Business Fundamentals Checking Account. The offer attached to that account entitled : Receive a sign up bonus of {$200.00} when you open a new eligible small business checking account ( Business Advantage or Fundamentals ) with Bank of America and complete the following requirements : Make at least {$1000.00} in Qualifying Deposits into that new business checking account within sixty ( 60 ) days of account opening. On XX/XX/XXXX a deposit of {$1000.00} posted to this account. Few days later, Bank of America closed my account and sent me a check for the outstanding balance, they never disclosed the reason for closing my account. On XX/XX/XXXX, Bank of America sent me a letter stating the following : According to our records, the business checking account you opene
d online as part of our recent bonus offer, where you could earn {$200.00} is now closed. As a result, your account does n't qualify for this offer.
Consumer complaint received 2023-12-14
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: EQUIFAX, INC. (GA)

I am writing to formally complain about the persistent challenges I have encountered in correcting late open accounts and removing charge-offs from my credit file. Despite multiple attempts, the inaccuracies remain on my credit report, causing undue distress and adversely affecting my financial standing. 

I have diligently followed the established dispute resolution process by submitting dispute letters, providing supporting documentation, and engaging in communication with your representatives. However, despite my best efforts, these inaccuracies persist, significantly impacting my creditworthiness and creating obstacles in securing credit and favorable interest rates. 

I request an immediate and thorough investigation into these matters to rectify the inaccuracies on my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this complaint and outlining the steps that will be taken to address and rectify the late open accounts and remove the charge-offs. 

Should this matter not be resolved promptly, I XXXX be compelled to escalate my complaint to regulatory authorities and seek legal counsel to protect my rights. I am asking for your assistance to correct this late open account and remove the charge off in my credit file : XXXX XXXX XXXX XXXX : {$5100.00} Date Opened : XX/XX/2020 - You are reporting different information from other bureaus. XXXX FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX XXXX : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.