davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Brett M. Borland, P.C. (NY)

In XXXX, I signed a lease for XXXX XXXX in XXXX, SC. Within the first week and over the course of my 4 month stay, the leaser/XXXX  violated the lease numerous times and put me in a temporary unit without running water and all the window locks were broken and able to be opened from the outside. There was trash in the unit upon walking in the first time as well as no electric and broken/exposed outlets. This temporary move was activated by an immediate and emergency lock out due to a random assigned roommate reported with a gun in the unit. I never was allowed to get my stuff until the report was resolved which took 3 months to finally get access to before I abandoned my lease. I gave the office a letter outlining why I was legally allowed to abandon my lease due to the violations of the leaser. I was given no response until XXXX. Then I began receiving letters from collections for this incident and so I contacted XXXX XXXX to ask why they fraudulently filed a collections report and they said although I have time and date stamped photos and proper documentation of the violating actions of the company, that they will not stop collections because the old manager who has since been fired, falsely documented that my issues were fixed although my documentation proves otherwise. I am a recent college graduate and can not afford to line their pockets with paying fraudulently filed collections claims.
Consumer complaint received 2021-02-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I decided to give the bureaus another chance and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2024-10-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX The following account was charged off as of ( XX/XX/year> ) Since then the account has been repeatedly updated as a charge off every month. This is an update in the payment history which to my understanding a charge off account should NOT include an active payment history. Need I remind you that this is also falsely manipulates the statue of limitations. 
I am demanding a deletionof the following account : XXXX XXXX XXXX Best Regards, XXXX XXXX
Consumer complaint received 2024-08-31
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)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2021-02-04
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: TD BANK US HOLDING COMPANY (CA)

An account was fraudulently opened in my name on XX/XX/2019 by TD Bank USA Target Credit with a current balance of {$560.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you 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 demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! Item is mine YET is NOT proven COMPLIANT in its reporting. As reported, Item is mine YET is NOT LEGALLY REPORTABLE due to being one or more of untrue, erroneous, incomplete, unverifiable, invalid, or else wise NOT proven COMPLIANT in its reporting. As of yet, there is no document evidence of VERIFIABLE VALIDITY of claim much less of the mandatory PERFECT and certified Metro 2 compliance of reporting AS REPORTED, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, BOTH grounds for my civil complaint and seeking of monetary resolution and punitive damages versus you shall you hesitate or refuse to report compliantly and only verifiably valid information, true or not! I demand the following accounts be verified or removed immediately.
Consumer complaint received 2024-10-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Freedom Mortgage Company (FL)

Email sent to Freedom Mortgage this morning. 

Hello XXXX, XXXX XXXX and yourself were on the phone yesterday discussing an insurance check that needs to be signed and returned to him. 
It was agreed upon that you would do some more investigating and send him an email yesterday before your shift was over and communicate your findings. That was not done and nothing has been received still today. 
Note this was agreed upon after he had been on the phone with Freedom Mortgage for an hour and a half while working. 
XXXX is still not clear on what the problem is. He does not understand why he is not receiving his reimbursement check. All that was needed was a signature from a representative of Freedom Mortgage. The check was overnighted to your company and received by you on XX/XX/year>. 
He has paid for these home repairs out of his pocket months ago. This claim was first submitted over 10 months ago. 
It took the insurance company months to send the 1st check and then months and numerous phone calls and emails for them to send the final reimbursement check. 
Now Freedom Mortgage is holding up the funds again. Did I say these repairs were paid for in full out of my own pocket? 
The insurance company has confirmed all repairs have been completed to my home. 
A new roof was installed and drywall replaced and painted. 
I do not understand why Freedom Mortgage will not sign my check and return it to me. 
Who and what do I need to do to get my money ASAP? 
I have been very patient and am at the end of my rope. I pay my mortgage on time each and every month. I pay my insurance on time annually. 
This is not fair and I am literally at the end of my rope. 
I would ask you escalate this to someone who can provide and ETA of my money being you did not keep your word and provide a timely update as agreed upon. 

Regards, XXXX XXXX
Consumer complaint received 2021-02-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Bank of America and XXXXXXXX XXXX. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (FL)

XX/XX/20 : Barclays Bank Delaware XXXX XX/XX/20 : XXXX XXXX XXXX XXXX XX/XX/20 : XXXX XXXX/XXXX XXXX XXXX XX/XX/20 : XXXX XXXX ( dont recognize, unauthorized inquury ) XXXX XXXX/XXXX XXXX ( double inquury! ) XXXX These are the 5 Lenders showing on my credit report as Hard Inquires! One lender ( Factual Data I never authorized and XXXX XXXX pulled my credit multiple times ) During a 2 week period XXXX I was shopping for home loan refinance and my credit should not have had such a significant drop in credit score due to these hard inquiries as law states " would only count as 1 pull of credit when shopping for mortgage within 30-45 days period '' My credit was a XXXX on XX/XX/20 when a few calls were made to 3 lenders only! Within a 2 week period! In beginning of XXXX, I noticed these 5 hard inquiries on my credit report and my score dropped to a XXXX!! Nothing else had changed to my credit report during this time that would have impacted such a drastic drop in my credit score, only these hard inquires, at which point I immediately saw the drop in my score..I am disputing these hard inquiries and request they be removed from my credit report. Thank you for your assistance, XXXX XXXX XXXX
Consumer complaint received 2021-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A loan was fraudulently made in my name by XXXX XXXX XXXX XXXX on XX/XX/2019 with a current balance of {$5300.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you 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 demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! Item is mine YET is NOT proven COMPLIANT in its reporting. As reported, Item is mine YET is NOT LEGALLY REPORTABLE due to being one or more of untrue, erroneous, incomplete, unverifiable, invalid, or else wise NOT proven COMPLIANT in its reporting. As of yet, there is no document evidence of VERIFIABLE VALIDITY of claim much less of the mandatory PERFECT and certified Metro 2 compliance of reporting AS REPORTED, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, BOTH grounds for my civil complaint and seeking of monetary resolution and punitive damages versus you shall you hesitate or refuse to report compliantly and only verifiably valid information, true or not! I demand the following accounts be verified or removed immediately.
Consumer complaint received 2021-02-05
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)

TODAYS DATE:XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX  XXXX XXXX ( I NEVER OPEN THIS ACCOUNT ) Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2021-02-04
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: WELLS FARGO & COMPANY (FL)

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

XXXX XXXX XXXX  XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX XXXX  Open date XXXX XX/XX/XXXX Wells Fargo bank Open date XXXX XX/XX/XXXX XXXX/XXXX  Open date XXXX XX/XX/XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX  XXXX  Open date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX Enclosed is a copy of my Identity Theft Report, supporting my position.
Consumer complaint received 2021-02-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

Around XX/XX/XXXX, NationStar/Mr. Cooper took over the mortgage loan ; which was after Pacific Financial closed. Monthly mortgage statements are not always provided from NationStar/Mr. Cooper. Of the mortgage statements provided, it appears that around XX/XX/XXXX, NationStar d/b/a Mr. Cooper began taking monthly mortgage payments and applying payments to an unapplied separate account in lieu of applying all payments directly to the mortgage account. This unknown new payment processing method implemented by NationStar d/b/a Mr. Cooper, creates increases to the monthly mortgage amount, creates monthly overdue payments, creates monthly late charges with daily interest fees and monthly compounded interest fees, creates charges of legal fees, and creates additional charges for unauthorized/unknown services ; such as, property inspections, lender paid fees, etc. In addition, as a result of the aforementioned practices, the XXXX and XXXX Mortgage Interest Statements ( OMB No. XXXX Form 1098 ), the XXXX and XXXX Annual Escrow and Interest Statement, and the XXXX and XXXX Disclosure Statement ( Annual Disclosure Notice to Mortgagor that NationStar/Mr. Cooper provides contain inaccurate information.
Consumer complaint received 2021-02-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (GA)

This is fraud, I have been complaining about incompetents and now these people have wipe out my entire checking and saving account and Dovenmuehle Mortgage XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (CA)

In XXXX I made a agreement with Lending club for reduced payments for the month of XXXX and XXXX in the amount of XXXX the XXXX payment was due on XX/XX/XXXX with a 15 day grace period provided by Lending club. The XXXX payment was made on XX/XX/XXXX via ACH debit through my checking account. On XX/XX/XXXX I received an alert from a credit reporting agency that Lending reported a payment of 30 days past due for the month of XXXX. I immediately called their customer service line to clear up the issue, I was told it was a glitch in their system due to the reduced payment and that my credit report would be updated. The correction was made on or around XX/XX/XXXX, but on or around XX/XX/XXXX the 30 day late payment for XXXX was re-reported on my credit report again. I called Lending club again to resolve the matter and was told the same thing that it would be corrected and not happen again. The correction was made on or around XX/XX/XXXX per the alert I received from the credit monitoring agency. On XXXX I received an alert that the 30 day late payment was once again reported on my credit report for the 3rd time. This has caused irreparable damage to my credit report and also mental anguish to me and it has disrupted my life.
Consumer complaint received 2024-10-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC. (NJ)

XX/XX/XXXX, I reported to robinhood about 14 transactions on my account happened without my permission. 2 of the 14 disputes were then credited to my account because they deemed the transactions as unauthorized on XX/XX/XXXX. Then on XX/XX/XXXX, robinhood has closed my account due to suspicious activity. Doing this to my account now makes it impossible for me to receive my {$430.00} that was wrongly used in unauthorized transactions and I want my money back.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (PA)

I never authorized nor signed any documents for this company to collect any debt. According to 15 USC 1681EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. 
Delete account immediately for violating XXXX5 USC 1681EB!
Consumer complaint received 2021-02-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2020: ( 1 ) BOA notified ( through my cell phone ) suspicious two transactions on my BOA Visa Credit Card ( Account ending in XXXX ) at XXXX  store in XXXX XXXX, CA : {$200.00} ( reference # XXXX XXXX and {$200.00} ( reference # XXXX XXXX. 
( 2 ) BOA also notified ( through my XXXX  cell phone ) suspicious two transactions to her BOA Visa Credit Card at XX/XX/XXXXstore in XXXX XXXX, CA : {$200.00} and {$200.00}. 
( 3 ) I immediately reported that both my credit card and my XXXX credit card were stolen from our automobile while we were hiking. 
( 4 ) We did not report to police since the car were not damage and nothing were missing inside the car except an {$100.00} bill and credit cards. 

XX/XX/2020: ( 1 ) BOA credited the two fraud transactions ( {$200.00} and {$200.00} XXXX to my BOA account. 
( 2 ) BOA also credited the fraud transaction to my wifes BOA account. 

01/14/2021 : ( 1 ) BOA informed me that they were unable to approve your recent fraud claim. ( see attached ). 
( 2 ) BOA did approve my wifes fraud claim. 

XX/XX/2021 : I called BOA credit card office ( after waiting for almost an hour and were transferred to several agents ) to inquire about the case. They were not able to help in resolving the case and insisted that the chip was read, your PIN was entered, and/or your signed for the merchandise or service, which indicates your or someone you allowed to use your card was present. 

XX/XX/2021 : I filed a complained regarding to the case to the Office of the Comptroller of the Currency ( OCC ), Case # XXXX Bank of America , National Association. 

XX/XX/2021 : XX/XX/XXXX of the OCC wrote me that the issue no longer falls under the direct jurisdiction of our office. The case is referred to the Consumer Financial Protection Bureau XXXX CFPB XXXX.
Consumer complaint received 2021-02-05
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. (CA)

Credit bureau Experian has been reporting a 30 day late on my report XX/XX/2020. I've disputed 6 times and provided them a letter from XXXX XXXX explaining and showing I was not late. XXXX XXXX has removed it 4 times however, they continue to report again and again. This has gone on for 12mo and has stopped me from refinancing a property with an interest rate of 12 % costing me a lot of money.