davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

Failure of Experian to Correct, Update, and Remove Outdated Information on Credit Report : Details of the Complaint : I am filing this complaint against Experian for refusing to correct, update, or remove outdated and incorrect information on my credit report, despite having provided all necessary documents and following the correct procedures. 

Summary of the Issue : I sent a certified letter with the required documentation to all three major credit bureaus ( Experian, XXXX, and XXXX ) requesting corrections, updates, and removal of outdated information. 
XXXX and XXXX promptly updated and corrected my credit report as requested. 

Experian, however, refused to make any changes, stating that all information must remain on my report as it is considered data. 

Details of the Dispute with Experian : Multiple Names : My credit report contains multiple names. I want it to reflect only my current legal name. 

Outdated Addresses : My report includes outdated addresses where I no longer reside and incorrect addresses where I have never lived. I need these addresses removed. I have been at my same residence for over 16 years. 

Negative Reporting from XXXX XXXX XXXX XXXX XXXX  ) : There is a negative report from XXXX, which has been resolved by XXXX and paid. Both XXXX and XXXX have removed this negative reporting, but Experian has not. 

Request for Resolution : I request that the CFPB take action to ensure Experian complies with the FCRA and updates my credit report as follows : Correct my name to reflect my current legal name. 

Remove outdated and incorrect addresses from my report. 
Remove the negative reporting from XXXX XXXX XXXX as it has been resolved and paid. 

Attachments : Copies of the certified letters sent to Experian, XXXX, and XXXX requesting this outdated, incorrect information be removed from my report. I have one legal name and one resident. 

Confirmation from XXXX and XXXX that the requested changes have been made. 

I sent the same proof of documentation to Experian, XXXX and XXXX. Along with a letter to each creditor/company stating I owe them funds. I request for proof of the contract with my wet signature and no one could provide it. Therefore, these companies should not appear on my credit report. 

Any additional documentation supporting my dispute. 
Copy of a paid receipt from XXXX XXXX XXXX - debt is paid {$38.00}. XXXX XXXX XXXX is no longer reporting as negative so why is Experian still reporting as negative on my report? 

Thank you for your attention to this matter. I look forward to a resolution that ensures the accuracy of my credit report.
Consumer complaint received 2017-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (OH)

My Barclay credit card was used to make a fraudulent purchase at a XXXX XXXX store on XX/XX/XXXX. The charge was {$890.00} at the store in XXXX, MI. I live in Ohio, I was at work at the time and received a fraud alert. I immediately called Barclaycard and reported the fraud. I have since called them dozens of times to resolve the issue. The charge is currently still on my account accruing interest and fees. Barclaycard insisted I contact XXXX XXXX and file a police report. I have done both. XXXX XXXX was no help whatsoever.
Consumer complaint received 2017-07-21
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: SYNCHRONY FINANCIAL (NV)

I have contacted Synchrony Bank on multiple occasions by email and mail asking for late payments to be removed. All occasions my requests have been denied. My account is currently on time as acknowledged by XXXX XXXX office of the president on X/XX/2017. She told me she has reviewed my accounts and is unable to make an adjustment. She said it would be arbitrary reporting. However, after doing my research online Synchrony Bank has made many goodwill adjustments for customers. I experienced a hardship last year and was proactive in seeking help before it was too late. I went on a payment plan for all 3 accounts. I was under the impression this would help me avoid further negative impact on my credit report. As a result of this reporting I have incurred deposits on many new accounts. As a single mother I do not have the extra funds to cover deposits. I had a perfect payment history before enduring a XXXX XXXX XXXX that caused me to miss work more than I would like. XXXX XXXX acknowledged the fact that I have been paying on time and the account is current. At the conclusion of the call no resolution was reached. I later emailed her to point out exactly where it is against the law for them to remove late payments. If that was the case how could places like XXXX XXXX who specializes in this type of conflict exist? I am very disappointed that my loyalty means nothing to this company. I am embarrased that I referred family and friends to this company whether it be through Amazon or care credit.  I hope that they are not experiencing the same issues as I am. At this point in time I do not feel like a valued customer just an deposit in a CEO 's bank account. Synchrony bank is not taking a loss by updating my credit report. Avoid synchrony bank at all costs if you can.
Consumer complaint received 2017-07-21
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: LEXISNEXIS (GA)

I contacted LexisNexis about ( 2 ) Fraudulent Bankruptcies that were showing on my credit report : Case XXXX & Case XXXX I received a letter from LexisNexis that I am attaching to this complaint that they deleted Case XXXX because they had reviewed it and found it to be fraud, but they did not delete XXXX XXXX, and that makes absolutely no sense, so I am not sure if this was a mistake they made and meant to include both but over looked one or accidentally left it off, however they both were fraudulent and both need to be deleted. Both of these bankruptcies were filed in a state I have never lived in EVER and they were both filed within a years time period which violates the law regarding bankruptcy filing time period for a chapter XXXX or any other type bankruptcy for that matter, it is impossible and ca n't happen, so both of these bankruptcies are fraudulent, not just one of them. Both of these bankruptcies also have the same Judges initials on both so again they are both fraudulent and need to be immediately deleted. Also LexisNexis needs to notify the credit bureaus to make them aware that these have been deleted so they can update their records and remove the fraudulent information because all 3 credit bureaus are still showing this fraudulent information. Let me state again that I have never filed any bankruptcy and have never lived in S.C. where these bankruptcies were allegedly filed, so neither of these bankruptcies are mine and I would sincerely appreciate this matter being resolved immediately because this is defamation of character.
See Attachment
Consumer complaint received 2016-11-01
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015 to XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have written 3 letters to the 3 credit bureaus explaining that this is not my account, and is fraud, I ask them validate this debt, and According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, and again they have failed to do so.
Consumer complaint received 2017-08-15
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. (GA)

This bill with XXXX XXXX was reinstated on my credit report XXXX 2017. I have proof it was not on my report before. It had been removed several years ago. After it was removed it was sold twice. XXXX XXXX is now reporting it as XXXX, I disputed the original amount when on report. It was XXXX. I had turned in equipment and they never fixed balance. Equifax is ignoring this as I have credit report from them in XXXX and this is not on my report. I 'm attaching all evidence. They are not investigating and are just closing case.
Consumer complaint received 2017-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CONTINENTAL MORTGAGE BANKERS (CT)

I was informed by my new direct lender per the credit report he received that the previous mortgage company ( Financial Equities ) had pulled by credit 36 times with at least 3 hard inquiries since XXXX 2017 resulting in damage to my credit report and score. I did not authorize all of these separate pulls and feel this was done so inappropriately.
Consumer complaint received 2017-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (OH)

XX/XX/XXXX I started investing in a company abroad in the binary market. I first did my research before investing and there no negative remarks about the company. My initial investment was {$500.00} which I used from my checking account with The Huntington National Bank. The money went to XXXX XXXX XXXX which is the payment processing for XXXX XXXX. There was growth in the investment so in XX/XX/XXXX I invested another {$5000.00}. I was then charged a fee for sending the money over seas. I was unaware of this fee, but the bank informed me that it was in my contract when I opened the account a number of years prior to this transaction. I had to call the bank to approve the transaction and was not made aware of any such fee. The account continued to grow and everything still seemed legitimate so I invested another {$3500.00} in XX/XX/XXXX. I was charged the fee. Then in XX/XX/XXXX I authorized a transaction of {$5000.00}, but the bank let the company ( XXXX XXXX ) withdraw {$10000.00}. The company had put the money in trades so it was now tied up for three months. When the trades had expired XX/XX/XXXX I went to put in a request for with draw because the account had grown to {$120000.00} and I wanted my full investment back and let the rest go. I then found that I was locked out of my account and the website did n't recognize me. I called and emailed numerous times with no response from XXXX XXXX. I then contacted The Huntington and let them know the situation that I was scammed and I was told that they could not do anything for me. I had informed them that my credit card company ( XXXX XXXX ) had returned the money with the dispute and they have the same protocol for disputes. I just feel that they did n't want to help me. I have been a good customer for about ten years.
Consumer complaint received 2016-12-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TN)

I checked my credit on XXXX XXXX XXXX to find that my credit report had an error in there that included XXXX Mississippi two times I have no knowledge of this account that is reporting on XXXX XXXX from XXXX Mississippi I believe that the credit bureau Equifax added that account on my report due to retaliation because I file a complaint on them with the CFPB I am asking for both of the XXXX Mississippi accounts to be deleted off my report this error has made my credit score go down XXXX points.
Consumer complaint received 2017-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Being an XXXX XXXX Service Member, I scheduled two separate monthly payments towards my Bank of America credit card. At the time I was scheduling the payment, the W-Fi I was using from my location was kinda weak but eventually the scheduled payments went through and I received two separate confirmation numbers. # 1 ) XXXX # 2 ) XXXX I received a credit notification where I was reported 30 days late to all three credit bureaus. I was really upset because I knew I scheduled these two separate payments for my Bank of America credit card. I sent an email to the Executive Office of Bank of America explaining the situation where I am an XXXX XXXX Service Member and I was in a location where I was scheduling a payment via Wi-Fi and how I was possibly having issues with the mobile app on my device. The woman I spoke with, XXXX XXXX, said she would check with IT and most likely can not remove the 30 day remark. She eventually called me back a few days later saying IT could n't find anything and I asked for proof and she could n't provide it. Technology is a tricky thing and honestly can not be trusted but I am honestly explaining to them that I scheduled the payments. I did n't take this well because I KNOW I set up this payment. At the time of the phone call I did n't have the confirmation numbers and I explained to her they 're at home. Since I have them, I am providing them in this email. I also contacted Bank of America this morning but left a voice mail. I am requesting this 30 day late remark be removed from all 3 credit bureaus due to the difficulties of the application through the bank. As a Service Member and having my integrity questioned is very appalling and hurtful. I explained to XXXX that I have a upcoming re-investigation for my XXXX XXXX XXXX XXXX and keeping my credit up to date and in good standing is a high priority to me. If you have any questions or would like to discuss this please contact me at the information below. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-15
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. (TX)

I submitted evidence to XXXX and Equifax on XX/XX/XXXX in regards to an obsolete account with XXXX XXXX XXXX Bank for a secured loan obtain in XX/XX/XXXX. I contacted the Mississippi Attorney General Office in regards to the state statue regarding delinquent accounts and collections practices. I complied with all the state guidelines in requesting verification information from this creditor ; however, this creditor fail to provided the required documents within the 30 days allowed. Once I received this information it was not accurate nor had all the requested documents to provide proof that XXXX XXXX  the new proclaim holder had the right to collect this debt. I responded to XXXX XXXX letter dated XX/XX/XXXX however I received it XX/XX/XXXX ( envelope show postal date stamp XX/XX/XXXX ) which was beyond the 30 days from the receipt date of XX/XX/XXXX ( certified receipt included ). Reviewing the attached documents will show XXXX XXXX XXXX XXXX aka XXXX XXXX has fraudulent changed data on my report after I made them aware of Mississippi laws that they were not in compliance to. I received a letter on XX/XX/XXXX from XXXX XXXX, Compliance Officer stating the account is now noted to stop all collection actions based on this law ; however, she fail to compromised by deleting this account as stated in my request because XXXX XXXX and XXXX XXXX XXXX violated my rights as a consumer. Reporting inaccurate information for the previous 4 years and attempting to collect on a debt that is not allowed by Mississippi state statue from 1 year of foreclosure. This account was never classified as foreclosure but a charge-off and business loan until now. This account should be deleted because of the non-compliance acts this bank has taken against me in collection practices. See attachment for further detail and documentation proof. The credit bureaus fail to evaluate my evidence but appeared to believe the bank after they alter information that was inaccurate for years.
Consumer complaint received 2017-07-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

We believe to have been victims of predatory, discriminatory and almost fraudulent treatment from Wells Fargo on a loan we received for {$89.00}, XXXX in XX/XX/XXXX. To start it was not a lone we asked for, but one they called on to offer, as we were excellent customers with a great record, once we accepted the loan the bank officer only wanted to work with my wife because " the paperwork was easier ''. She put her down as XXXX when she is not. When we suffered a catastrophic financial situation and told in XX/XX/XXXX with the aim of getting help with the mortgage, we started a nightmare process with them that has lasted 8 years and continues. They said they wanted to help, but their actions show that is not the case. All they have been interested in is finding ways, of dubious almost fraudulent nature to increase their fees and other charges. They did n't tell us for years their investor did n't participate in the Home Affordable programs and when documents for a workout it was under this program. In XX/XX/XXXX they asked us to return some pages of a Loan Modification document, where we had questions so they could review it before we signed it, but they never called back. When we finally reached them, they told us we were no longer considered as we had rejected their offer. ( False ) They dragged it on for months, when they sent another " offer '' its was way more expensive. We explained everything to a supervisor, she investigated and found the bank had mishandled the account, offered to rework the documents as she wanted to help. We never heard back from her, No explanation ever given. All years after always offering under the Home Affordable program when they knew it would work. Their offers keep getting more expensive to their benefit. If they did n't want to help we would have done something else with the property earlier. Its a property we bought in XX/XX/XXXX. We were forced to file Chapter XXXX, to save the property and se if we could get a workout, this before we knew the investor did not participate in the program. While in Chapter XXXX one of their lawyers files a false claim charging that we had n't made any payments, with the aim it seems of getting the Court protection lifted, so they could go after the property. And on and on. I can go for ever its been 8 years of dealing with a most dishonest institution. They have never explained properly what type of loan they gave us. certainly not one for excellent customers as we were. All we ask is that they lower the interest from almost 7 percent and transfer the outstanding balance to the end of the loan.
Consumer complaint received 2017-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have contacted the credit bureaus regarding an item on my credit report that is caused by fraud. I have filed a police report as they have asked me and also an FTC identity theft report. I have provided to them all this information and copies of the documents as well. They have not handled their investigation as they are suppose to in cases of identity theft.
Consumer complaint received 2017-08-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX 2017, I was notified by my line of credit that I was behind {$49.00} and once I paid that amount I would be up to date. Then I was threatened that my line of credit was 33 payments behind and that my house was going to go in foreclosure. They told me I had to pay about {$8000.00} to bring the account current but I was not shown any documentation. I was so scared that I would lose my house and I paid most of the money, but then they closed the loan amount and transferred it to another department in Bank of America and now no one wants to tell me what is going on. I need my credit to be cleared because I need to refinance and put everything in one loan. I have called several times and no one seems to understand.
Consumer complaint received 2017-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This is follow up to a case already filed with the CFPB, that number is : XXXX. The response received from XXXX was inaccurate, as well yesterday they reported to XXXX that my mortgage is 30 days late. Attached is verification of the report and the lines below are the inaccurate statements in the response, both of which fall under the heading Requested Clarification : 1. It should be noted that it was an error on XXXX XXXX side that my account was taken off automatic recurring drafts for my loan and that specific statement would be reported to the credit bureau. 2. There was no attempt by XXXX to contact me on XX/XX/XXXXor XXXX as stated, this is simply a false statement.