davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-27
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. (PA)

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX ( XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM EXPERIAN NOR XXXX, YET XXXX  MANAGED TO WASH IT OFF COMPLETELY FROM MY REPORTS ... .. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Consumer complaint received 2024-10-21
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. (OH)

I DONT RECOGNIZE THESE ADDRESSES. PLEASE REMOVE FROM MY CONSUMER REPORT. THANK YOU XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ohio XXXX
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On my Credit reports Capital One Bank, reported as of 2019 that my card was in charged off status with a failed to pay status. Making it appear to my mortgage lender that I have a recent delinquent account as if this year when I paid my Capital One credit card in full. I was even told that if I paid the card off in full they would no longer report negative information to my credit report and would remove their negative information. 

However they keep reporting it on my credit report as FP and it even says PAID. It is not a charge off when I paid the card in full. Charge off means I never paid on it and that the company doesnt expect to get paid.
Consumer complaint received 2019-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

This year I disputed this alleged debt by another collection company. I disputed and it was proven that they debt was not mine and was removed by XXXX and other credit bureaus that was reporting the negative information. I made it very clear to the last collection company if they sold debt to another debt collector, that I will have my attorney she the old collector and the new collector reporting this information. I will have my attorney XXXX XXXX, XXXX. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Go ahead will lawsuits.Im tired of getting treated like this
Consumer complaint received 2019-12-30
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: AMERICAN HONDA FINANCE CORP (FL)

I returned my lease with American Honda Finance in XXXX. The payoff from the other car company came in late and as a result I was reported 30 days late no fault of mine. I disputed this and also contacted Honda and nothing was rectified.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance {$700.00}, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1000.00} that appears related to the aforementioned personal credit card account opened at XXXX XXXXXXXX XXXX These accounts have resulted in fraudulent hard inquiries, fraudulent derogatory marks, 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, charge offs, derogatory marks, or hard inquiries as reported. The aforementioned accounts, collections, chargers, 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.
Consumer complaint received 2019-10-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I had previously submitted a complaint regarding their continued reporting unvalidated and fraudulent accounts as well as unauthorized and illegal inquiries. They said they would take it seriously in response to that complaint but are still doing the same thing and not correcting the problems as promised. Attached are letters showing items the companies said they removed but they still report and say verified.
Consumer complaint received 2019-10-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NY)

In XX/XX/2019 I purchased a refrigerator from Lowes. The total price was {$2800.00}. I charged {$2000.00} to my Lowes card, and the remaining {$820.00} to another credit card.

The {$2000.00} charged to my Lowes credit card was subject to special financing of 12 months, no finance charge. 

The refrigerator was scheduled to be delivered XX/XX/2019 On XX/XX/2019, I made my first installment payment of {$180.00}. 

On XX/XX/2019 I cancelled the purchase. 

However, instead of crediting my Lowes credit card for the entire amount of the cancelled purchase, {$2000.00}, I was only credited {$1800.00}. 

According to my last billing statement, I still have a balance of {$12.00} I am requesting to be credited the full amount that I originally charged to my Lowes card, {$2000.00}, and then to be issued a check for the credit balance that will be on my account
Consumer complaint received 2019-10-18
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)

I settled a XXXX account in full in XX/XX/XXXX. It is now XX/XX/XXXX and the 3 credit reporting agencies, Equifax, XXXX   and XXXX are reporting this account as delinquent/Chargoff when it sbould reflect as settled in full or not reflect at all, or completely deleted from my credit file.
Consumer complaint received 2019-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (CA)

I am writing to request your help. I am a victim of identity theft. I tried to solve this matter with Wellsin the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via certified mail, since they are reporting accounts with FRAUDULENT CHARGES. As of today they have failed to provide me with the proof I have lawfully requested. These accounts with fraud charges being reported to the credit bureaus is a violation under the FCRA. 

Accounts are the following : 1 ) WF CRD SVC XXXX. Opened Date XX/XX/XXXX, XXXX Credit Limit {$700.00}. Balance {$0.00}. Status : Closed. 
2 ) Wells Fargo Opened Date XXXX XXXX, XXXX. Limit {$5000.00}. Balance {$0.00}. Status : closed. 
3 ) WELLS FARGO BANK AUTO # XXXX Date Opened XX/XX/XXXX. Closed Date XX/XX/XXXX. Original Balance {$18000.00}.

Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character.

Attached : Letter sent to Wells Fargo and FTC Report.
Consumer complaint received 2019-10-20
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. (AR)

I have been a victim of Identity theft and this has been on ongoing issues with this company. On XXXX @ XXXX XXXX  ( tracking # XXXX ) Equifax received one of several dispute letters regarding fraudulent established accounts that are being reported on my Equifax credit report. A police report containing the accounts in question was and has also been included with the past several disputes I have sent to Equifax as well. On XXXX @ XXXX XXXX ( tracking # XXXX ), Equifax received a dispute letter on my behalf regarding the same fraudulent accounts that they continue to list on my Equifax credit report. I have stressed the negative financial impact to Equifax this has taken on my personal financial status, sent in supporting documentation, and yet Equifax still continues to violate my consumer rights under the Fair Credit Reporting Act, Section 605b, 609, and 611. It has been well beyond 30, 60, and 90 days and no proof of accurate verification or original correspondence have been provided by Equifax as per the Fair Credit Report Requires. I have provided more than the necessary documentation supporting my claim and yet nothing is being done about the situation.
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MN)

I verify that I never made late payments to any student loan accounts with XXXX. And to verify that said loans belonged to me bearing my signature. All else is fraud and identity theft.

Under ( FCRA ), 15 USC section 1681i, companies has to correct/update and remove accounts.
Consumer complaint received 2019-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

OnXX/XX/XXXX, I sent a complaint with number XXXX, against Bank of America. Call number ( XXXX ) XXXX, on XX/XX/XXXX, XXXX attended me. She says that my case is closed because the bank promised to cfpb that they would send me the information. XXXX gave me the phone number ( XXXX ) XXXX extension # XXXX, from Bank of America. In this number nobody answers. I have called consumer assistance from Bank of America, XXXX answered, I gave him the number ( XXXX ) XXXX and the extension, he said he called but they did not answer. I asked XXXX to send them an email to send me the answer, but XXXX says he can't send anything because he doesn't know who it belongs to. On XX/XX/, I went to a branch of Bank of America, the person who attended to me said that he can not access my account because it is closed. He just gave me a sheet that printed where he says my account is closed and in XXXX. I keep insisting because I want to pay and fix my problem, although I am still bankrupt in Chapter XXXX. Bank of America has not filed with the courts. Bank of America stopped me payments in XX/XX/XXXX, for bankruptcy. I have insisted in many ways to explain why my account is closed. I believe that Bank of America is hiding reality from me.
Consumer complaint received 2019-10-18
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. (IL)

All three Credit bureaus are reporting inaccurate information on my credit file. I have submitted physical letters to them and they simply ignore my request so I am forced to file this complaint to the CFPB and will be filing a complaint with the state attorney generals office if this does not get resolved. 

The following accounts are being reported and are not validated or verified per the FCRA. I have asked for the original source document and they are refusing to comply with my request. 

1. XXXX XXXX. They are only reporting a portion of the account number XXXX this is a metro 10 compliance issue. The account can not be verified and therefore I am asking that it be removed from my credit reports. 

2. XXXX. Partial Account number of XXXX. This is a Metro 10 Compliance issue, can not verify with XXXX and XXXX has no record of this saying I was late with my payment. Update and remove the late payment status. 

3. XXXX XXXX partial account number XXXX Says it is a collection account for XXXX this has not been verified and can not be verified and therefore is a violation of the FCRA section 609 and I requesting that this be removed from my files immediately.

4. XXXX. Has a collection of XXXX acct XXXX ( partial ) which does not allow me to verify the account. This is a Metro 10 Compliance issue. This also looks to be a health care bill and this is a VIOLATION OF MY HIPAA rights as if I ever did have services rendered to me from XXXX I would have never given them permission to report any portion of my Health Records to the bureaus. I am demanding this be removed based on Incorrect reporting, unverifiable status and a HIPAA violation.

5. XXXX XXXX : Accounts XXXX, XXXX, and XXXX all metro 10 compliance issues, unverifiable information, does not meet FCRA standards and once again looks to be a medical office reporting. If I did have services rendered I would have never given permission to any health facility to transfer my information to a collection company or to the bureaus. This is a HIPAA Violation and is a against the law.
Consumer complaint received 2018-07-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation (FL)

I took a XXXX dollar loan out I have paid roughly XXXX dollars. I went on the web site thinking it was paid off, to my surprise the XXXX dollars only XXXX went to the loan. So my payment being paid biweekly was XXXX only XXXX dollars went to the XXXX every pay period. So on a XXXX dollar loan if I didnt catch this I could have payed over XXXX dollars on a XXXX dollar loan. How is that even legal? I would have never gotten this loan if I had known this. When I called the supervisor still wanted me to pay the XXXX. So that would still put me paying XXXX on a XXXX dollar loan. I was never explained that I would be paying interest every other week of XXXX dollars. They have gotten roughly XXXX dollars and only XXXX went to the XXXX dollar loan. This is crazy and how many more people have they done this to. There has to be fraud somewhere.
Consumer complaint received 2019-10-18
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC. (AZ)

consumer : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX : XXXX [ ARIZONA BANKRUPTSY COURT- XXXX XXXX ] Debt Collectors : 1. Navient-XXXX XXXX  XXXX, XXXX XXXX, Pa XXXX 2. XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX, Pa XXXX 3. Pioneer Credit Recovery Inc, XXXX XXXX XXXX, XXXX, NY XXXX These 3 companies continue to contact me to pay a dept that was discharged in Bankrupsy Court filed on XXXX. XXXX XXXX the court trustee specifically told me to stop paying on the student loan debt which was listed as a XXXX XXXX debt. Both Navient and XXXX added their names to the Bankrupsy filing, and at the time did not identify themselves as collectors for XXXX XXXX, infact, I am not sure who they represent as I never made any student loan payments to either company directly. 

I wrote a letter months ago asking them to verify this debt and show that XXXX XXXX had authorized them to pursue this debt. They sent me back a doctored up agreement without reflecting any dates and showing that my last payment on this debt was XXXX of XXXX. Then they jammed my credit report with the fictious amount of approx. 6k. 

1. It is against the law to report - reflect an old past due debt as new - if infact the debt was sold, but how could wells fargo sell a debt charged off in bankruptsy? 
2. Since this company has removed all dates from the one piece of paper they did send me, it is my contention that it has well been six years since this debt existed. 
3. It is against the law for a debt collector to try and get money from a debt discharged in Bankruptsy under federal law section 524 title II. 
4. This amount of XXXX is inflated from the original balance due to XXXX XXXX over six years ago 5. As a senior XXXX years old, I am on a fixed income of social security and a pension and would not have the ability to make any amount of payment, which was the whole reason to go through the humiliating act of filing bankruptsy At present I feel if you cant help me get these persistent fraudulent creditors off my agenda, I still have hope of contacting the AZ Bankruptsy Court XXXX XXXX and asking for his advice.
Consumer complaint received 2019-10-18
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. (TX)

XXXX  and Transunion are reporting incorrectly a charge-off in the amount of {$470.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in full and should be reporting a {$0.00} balance. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-10-18
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)

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2022-10-27
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. (CA)

After I gave a copy of a valid FTC Identity Theft Report to XXXX XXXX, they should have stopped reporting the fraudulent accounts to the credit reporting companies. But I also provided a police report proving that someone stole my identity. If these actions guarantee me certain rights then why after someone has stolen my identity, has the fraudulent information remained on my credit report. I have the right to have removed all fraudulent information from my credit report. This is called blocking and once the information is blocked, it wont show up on my credit report, and XXXXXXXX XXXX cant try to collect the debt from me.
Consumer complaint received 2019-10-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (WI)

XXXX, Fri., XXXX XXXX. C.S.T. 

I am resorting to this format in order to let CFPB know of my ongoing problems with the Ocwen and PHH mortgage companies. It is my understanding that Ocwen is the parent company, and PHH is a subsidiary of Ocwen. I would have used your feedback feature but was unable access it online. 

On XX/XX/2019, I emailed Ocwen that I could no longer afford to make mortgage payments on my cabin in XXXX, Michigan. The Ocwen relationship manager chatted with me by phone and recommended I enter into a deed-in-lieu-of-foreclosure process. His description of how that property surrender would work sounded good to me, and I agreed to doing the DIL. The relationship manager told me to make no more payments and send no more bank statements. In XX/XX/XXXX, I was contacted by an Ocwen rep who told me my cabin would be given an " external evaluation '' ( a walkaround ) in a week or so, after which the DIL process could be completed. However, shortly after, I began receiving mortgage payment requests ( going back to XX/XX/XXXX ) and was told that PHH was my new mortgage company, my mortgage had a new, PHH-assigned number, and a PHH relationship manager had been assigned to my account. I wrote to that man and explained that I had entered into a DIL process with Ocwen, and also asked him if he had any paperwork from Ocwen on that matter. He did not answer back. So, I wrote to PHH 's Escalation Group, which also did not trigger a response. I additionally wrote to the PHH Office of the Ombudsman, and got no response there, either. It certainly appears to me that Ocwen now has no intention of pursuing the DIL process with me, and I have formed a very negative opinion of both Ocwen and PHH. I would greatly appreciate hearing from someone at CFPB about this whole matter. Thanks, folks!
Consumer complaint received 2019-11-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

On XX/XX/XXXX I made 2 purchases from XXXX and used Paypal to pay. One was for {$140.00} and another one for {$60.00}. My total amount paid was {$200.00}. Ive received used shoes so I returned the shoes. XXXX claimed to have returned the full amount but Paypal paid me {$60.00} on XX/XX/XXXX and another {$88.00} on XX/XX/XXXX and I still havent received the remaining {$60.00} because they claimed they have already paid. Ive received countless emails from Paypal with different reasons and excuses, but I have not received the full refund yet and XXXX claimed they paid the full amount.