davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-17
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. (PA)

I would like to request Monetary Relief via CFPB due to account listed below was deleted from my Experian Credit Report and then ILLEGALLY REINSERTED after it was deleted on XX/XX/XXXX. I received no 5 day notice as required under the FCRA. 

Account : XXXX XXXX XXXX XXXX XXXX According to Experian Report # XXXX Date Generated XX/XX/XXXX this account was deleted. ( See Screenshot Attached ) However, it is reporting on my Experian credit report today XX/XX/XXXX. 
This account has been illlegally REINSERTED.
Consumer complaint received 2024-08-17
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. (FL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2015-12-29
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: American Collections Enterprise, Inc. (MD)

I never give out my work number as I am not allowed calls at work. I received a call today XXXX XXXX, 2015 from a XXXX at XXXX XXXX stating he needed the last XXXX of my social security number or he needed to verify my address I asked who he was collecting on behalf of as the debts I do have I am working directly with the people I owe and have payment arrangements. He stated he is not allowed to tell me until I give him the last XXXX of my social security or my street address. I said you can send me something in writing but he states they did. I have nothing from ACEI in any form of writing, I asked him when he mailed it he said by asking that question I verified my address..???? What? 

He also said he was calling my home number and I asked him to verify what number he had and he told me he can not give out my home number either. So how am I supposed to verify what they are calling me about without giving information to someone I know nothing about?
Consumer complaint received 2015-11-12
Product: Credit card — 
Issue: Convenience checks — 
Company: WELLS FARGO & COMPANY (ID)

I took a Super Check offer from Wells Fargo Bank that offered, I believe, 15 months with no interest. I calculated that {$300.00} a month would pay back the check amount by the deadline to insure no interest. When the the card was utilized for other reasons, I paid that amount in full along with the {$300.00} and I am still being charged interest. Why??
Consumer complaint received 2024-09-01
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)

I am writing to formally dispute inaccurate information on my credit report, as provided by your bureau, and to express my concern over what I believe is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Ive provided proof of my identity being stolen and compromised by fraudsters, my police report, my FTC report, court documents, with my proof of identification documentation, and my address verification to this company to prove my identity, and innocence. This company continues to support fraud by illegally furnishing incorrect and fraudulent information on my credit report that Is against my rights. This company has violated my consumer rights entirely. This company did not protect me, and my information. This is the XXXX notice Ive sent to this company, and this company continues to ignore my rights as a consumer and furnish fraudulent inaccurate accounts and addresses on my credit report. This company also committed fraud along with the perpetrators by violating my rights. I as a consumer should have my rights under the FAIR CREDIT REPORTING ACT RESPECTED, PROTECTED, AND INFORECED TO KEEP ME SAFE AS A CONSUMER. AFTER THIS XXXX NOTICE, WITHIN XXXX  DAYS I WILL BE FILING A MOTION TO SUE THIS COMPANY FOR PAIN AND SUFFERING AND MY RIGHTS BEING VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE PATIENTLY GIVEN THIS COMPANY MORE THAN 30 DAYS TO VERIFY THESE FRAUDULENT ACCOUNTS, AND REMOVE THEM, BUT THESE FRAUDLENT ACCOUNTS ARE STILL REPORTING ON MY CREDIT REPORT. THESE FRAUDULENT ACCOUNTS SHOULD BE REMOVED IMMEDIATELY, BUT THIS COMPNAY CHOSE TO VIOLATE MY RIGHTS, AND NOT HONOR MY IDENTITY THEFT CLAIM.
Consumer complaint received 2016-01-30
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I XXXX 2015 I disputed a charge from XXXX in the amount of {$380.00} because I paid them to repair my fridge, and it was not completed correctly. I called Bank of America on XXXX XXXX, 2015 and filed to dispute and they credited it back to my account on that same day. In XXXX they sent me a copy of the receipt XXXX had sent them stating the charge was valid because I signed. I never said I did n't make the charge - XXXX never made the repair good or honor their warranty.
Consumer complaint received 2015-11-12
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (AZ)

HIPlease explain while you linked this Barclay account opened on XXXX a prior Barclay account that was opened before the consumer filed Bankruptcy in XXXX. 
Please note your statements for the Barclay Account opened on XXXX/XXXX/XXXX you provided the consumer in your first response to CFPB complaint ref # XXXX by this consumer shows your continually accessed a bank account that had been closed by the consumer for over ten years and revealed the linked to the first Barclay account the consumer opened prior to a Bankruptcy. 
Also the consumer never requested or gave permission to Barclay to upload the statements for this account to the CFPB website on the complaint # XXXX dated XXXX/XXXX/XXXX. This prior complaint was a request for the address to Barclay 's fraud department to submit a FTC Fraud Affidavit and the written instructions.
Consumer complaint received 2015-11-13
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (NJ)

The merchant credit card had a 0 % interest offer. They failed to properly disclose that after the promotional. All of the interest that was waived would be added to the balance. This was not adequately disclosed at the turning the credit was used. When I called the customer service center, they told me that if I paid the bill right away, that the interest would be waived completely. Two months later, they failed to do this and withdrew money from my checking account without authorization.
Consumer complaint received 2016-01-29
Product: Credit card — 
Issue: Rewards — 
Company: PNC Bank N.A. (PA)

PNC bank mailed me a physical letter advertising my pre-approval a new credit card with a promotional bonus of {$100.00} upon meeting certain requirements. After meeting the requirements no {$100.00} bonus was received. I spoke to a PNC bank escalation representative who asked for a copy of the offer, which I provided. I was then told by the representative that the {$100.00} credit would not be given because I was not eligible for the offer because I had previously received an unrelated bonus for an unrelated banking product. I still have the mailed printed offer explicitly outlining the terms of the disputed offer, and it contains no terms describing that I would be disqualified by receiving bonuses for unrelated banking products. 

If not for the bonus offer I would not have opened the line of credit which harms my credit score, affecting loan rates, and costing me time managing the credit line..
Consumer complaint received 2024-08-17
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. (TX)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-04-20
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO. (MA)

I responded to an offer online with Chase. 
I have multiple accounts with this bank and impeccable credit XXXXI received a Chase Fairmont card - upon receipt I confirmed the bonus offer terms and if and when an annual fee was to be charged I was told there would be no fee until/ and was even given a date of XX/XX/2106. 

Well my first statement was received and with it was a {$95.00} fee
Consumer complaint received 2024-08-17
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. (NY)

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2015-09-16
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (AZ)

We have a mortgage serviced by Green Tree. In XXXX of this year 2015 It became apparent that my business could no longer sustain my salary. Therefore I elected to go and get another job and put my salary back into the business. I continued making XXXX payment a month but in XXXX I could no longer do this I was only working part time and was looking for a full time job. I called Green Tree explained to them that we had already done a modification and could we do another. I was told it did not matter that we had already done a modification fill out the application submit all paperwork. That is what I did. I faxed in everything. In XXXX I was told we did not qualify because we were missing information XXXX XXXX explained to me I needed to send in back statements and profit and loss from my business. I did. The account was then assigned to XXXX XXXX ext XXXX again I received a letter stating that Green tree needed more information and we missing information our XXXX income pay stubs. I faxed in pay stubs.. In XXXX I called talked to XXXX again our circumstances at my business had changed we had taken on a partner and I would be returning making a salary. XXXX advised me to fill out the application again and send in a letter. I did so. Again, we received a letter stating the modification could not be done due to not turning in information. Each time I received a letter or request I faxed in the required paperwork. After receiving this I called Green Tree and asked for someone in the Loss mitigation department. I spoke to XXXX ext XXXX. XXXX advised me that we were not eligible for a modification since we had XXXX. In 5 months NOT ONE PERSON ADVISED ME OF THIS. XXXX ALSO EXPLAINED THAT WE HAD BEEN SENT THE WRONG LETTER EXPLAINING WHY GREEN TREE COULD NOT DO THE MODIFICATION. I ASKED GREEN TREE TO SIMPLY REINSTATE THE MODIFICATION AND WE WOULD BEGIN MAKING MORTGAGE PAYMENTS. DURING THIS ENTIRE TIME I WAS TOLD I COULD NOT MAKE A PAYMENT. HELP WE DO NOT WANT TO LOSE OUR HOME. XXXX AND XXXX XXXX XXXX LOAN NUMBER XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX
Consumer complaint received 2024-09-01
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. (TX)

Complaint Facts Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX # XXXX, XXXX Texas XXXX Consumer Social Security Number : XXXX Consumer Date-of-Birth : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following identified accounts ; XXXX XXXX XXXX, Account number private, Balance {$3300.00}, Date opened XX/XX/XXXX XXXX XXXX, Account number private, Balance {$960.00}, Date opened XX/XX/XXXX XXXX XXXX  XXXX, Account number private, Balance {$860.00}, XXXX opened XX/XX/XXXX XXXX Account number private, Balance {$34000.00}, Date opened XX/XX/XXXX XXXX XXXX XXXX, Account number private, Balance {$1200.00}, Date opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

I have also provided Proof Of Identity as well as Proof of Residence documents for your review and confirmation of my identity.
Consumer complaint received 2015-12-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: ENCORE CAPITAL GROUP INC. (WI)

Rec letter fr Midland Credit re : XXXX saying I had a balance of {$700.00} in a debt collection acct that could be settled for {$420.00} if I paid now. According to a call I made to, XXXX XXXX XXXX XXXX this was for a 2008 acct. MCM acct XXXX. Orig acct XXXX. 
I 'm do not owe this. I currently have XXXX accts with XXXX that are current, I have contacted my local XXXX store, but not much help. This may be a scam. Please, I need some help.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. XXXX USC XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX USC XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX BANK XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is XXXX XXXX XXXX and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-17
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. (NY)

I am submitting in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00}
Consumer complaint received 2015-09-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WV)

My Mortgage was sold to Green Tree Servicing approximately in 2003? I have experienced many fraudulent actions with them. 
I was told I had to take their insurance because I had let my insurance lapse, that was not true and I had to acquire proof from my insurance company that I had in fact never lapsed. So I won that battle, However : My Mortgage is not a XXXX Loan, It is in Ohio, the home is deeded to the property and Greentree refuses to acknowledge this fact. If I pay an extra each month, they apply it to my next months payment, It clearly states in my Mortgage that any additional payment is applied to my principle. I have also received XXXX statements that have been Higher the following year.I have never seen interest that you have paid go up! I have been collecting amortization schedules each year. The numbers change each year. I have brought this to their attention with no resolution. I turned a claim in to the XXXX, also with no resolution. I would like some help. I did have a Finance Annalist review my amortization schedule and XXXX 's appropriately 5 years ago and they felt that Greentree with misapplying, has created a balance that is approximately {$10000.00} to their favor. I would like to know how to get help with this issue!
Consumer complaint received 2015-06-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (MD)

My bank has placed a foreclosure date on my home. I have placed my home on the market and we finally received an offer which was presented to the bank and denied due to the foreclosure date I also submitted my documentation requesting for a mediation which were submitted late due to lack of knowledge by the person helping us save our home, a date of XXXX XXXX, 2015 has been giving but my bank continues to proceed with the foreclosure process.
Consumer complaint received 2016-01-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

I have on several occasions disputed an account on my credit reports. I have disputed this information with both the credit reporting companies and the collection agency themselves. I have asked for proper validation and I get absolutely no response. I am under the impression that this company has 30 days from the date my validation request is received. 

This company never responds and effectively ignores my request for any validation in regards to this account. I have disputed the amount, and address on file with this company. In every instance I have never heard anything back from this company. 

If I submit a dispute through the credit reporting agency. The agency reports that the debt has been verified as belonging to me. I am aware that the reporting agency uses a standardized system in validating a quick and efficient response. However, this is no way proves this debt as belonging to me or that the amount is in anyway accurate. 
I want this collection agency to validate my so called debt as outlined in the Fair Debt Collections Practices Act. 

They are required to verify this debt if they can not. Then I want this debt removed. 

The collection agency in question is Fair Collections and Outsourcing. Address is : XXXX XXXX XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2016-02-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (OH)

Received a letter from Afni, Inc. attempting to collect an alleged outstanding debt owed to XXXX XXXX XXXX when I have never had an account with XXXX XXXX XXXX for any product or service.
Consumer complaint received 2024-09-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (VA)

Continue to report inaccurate information on consumer report. Continue to violate my rights as the consumer! Continue to violate the fcra, Continue to report unverified detrimental information on consumer report