davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-19
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. (TX)

I feel my rights under FCRA has been violated due to being denied copies of documents that were supposedly used to validate accounts and public records on my credit files. Ive been trying to resolve multiple negative student loans accounts on my credit report. Accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Last Reported on XXXX XXXX, XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXXl XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Last Reported on XXXX XXXX, 2017 Balance {$150.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX Last Reported on XXXX. XXXX, 2017 Balance {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX Last Reported on XXXX. XXXX,2017 Balance {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX Last Reported on XXXX. XXXX, 2017 Balance {$26000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX Last Reported on XXXX XXXX, 2017 Balance {$8700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX Last Reported on XXXX XXXX, 2017 Balance {$850.00}
Consumer complaint received 2016-02-27
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (UT)

I saw a promotion where Discover Bank was offering {$100.00} within 30 days of opening a savings account with them and depositing {$15000.00}. I followed their terms exactly, my deposit was made on XXXX/XXXX/2016, and Discover has not given me the {$100.00} that was promised. I have repeatedly emailed and called them and have received no explanation as to why. They tell me it is obvious I have met the terms, but there 's nothing they can do to help me, and that I should keep waiting, and that maybe in a few weeks I 'll get what I should have received by XXXX/XXXX/2016.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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
Consumer complaint received 2017-06-16
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. (TX)

I have tried to verify information for a collection account for a medical account that appears on my Experian credit report but have not received the information that i requested to verify this information.I sent a letter asking for information and pro of on  X/XX/2017  a nd received a response from Experian that they had verified. Then sent another letter to the collection agency for debt validation on  XXXX  which they received on  XXXX  .I  have not received a response from the collection agency to verify the debt.I then sent another letter to Experian on   XXXX   which they received on   XXXX   to remove this debt because I had not received a valid response from the collection agency Experian is  the only one  reporting this UNKOWN medical account and the only response they have given is a request that I provide the collection agency with the data that they do NOT have and were unable to verify. I would like this account removed as I have not received proof of this account as requested with communication with Experian. I also have letters and tracking numbers to when the letters were sent and when they were received. I look forward to having this resolved.
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MS)

I recently disputed my XXXX XXXX balance with Experian on XXXX/XXXX/2017, and I received an email with the results but I also noticed that they added to inquiries from XXXX XXXX to my credit report which I have I did not authorize.. I have contacted XXXX XXXX and they did not put the inquiries on my report in XX/XX/XXXX and XX/XX/XXXX. I know things can be reinserted but I never asked my credit to pulled for this dispute.
Consumer complaint received 2015-04-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Zenith Financial Network Inc (TX)

The initial call was received on my cell phone from a local number XXXX. Needless to say this company is Florida using local number. I then received a call at my desk and spoke with XXXX XXXX asking me to verify my date of birth. I proceeded to ask XXXX for her address so that I could send them something in writing asking not to be contacted at work. She said he could take of that however I still plan to mail a letter today requesting that all contact cease. Shortly after I hung up with XXXX my co-worker brought me a message from a guy that refused to give him his name, however he said the guy was really rude and requested that I call him back at XXXX. Yet another local number for a Florida company.
Consumer complaint received 2017-06-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (NY)

I am contacting the CFPB as I know what my mortgage servicing company is doing to me is very unfair and I can only imagine how many other homeowners they are hurting. I had fallen behind on my mortgage payments XX/XX/XXXX after I had a XXXX. This loan servicing was transferred from XXXX to Freedom Mortgage as of XX/XX/XXXX but I had been mailing my payments to the previous company so I didnt even realize I was late. I had quickly applied for a loan modification with Freedom Mortgage to constantly be requesting documents we already sent and confirmed. My modification request was closed out at least 9 times from XX/XX/XXXX through just recently on XX/XX/XXXX. My wife is a contributor as well and the reason we were declined before the HAMP program ended was they stated they could not verify my wifes income taxes. We explained with explanation letters she does not file taxes because she was only receiving XXXX. We were told to send in a new XXXX with he box checked for non-filing, two weeks later, we followup to be told that is not acceptable, they need the other box checked to verify returns. I sent both to be safe. Two weeks later, we were told no, they can not verify my wifes social security number even though we submitted the Social Security award letter and XXXX. Each and every time the review was closed on their end, it was due to a new reason. This most recent review we submitted a complete package on XX/XX/XXXX. I called on XX/XX/XXXX and was told they need the bank statement that was just available on XX/XX/XXXX which I quickly sent on XX/XX/XXXX. Today I called Freedom and was told the review was closed out on XX/XX/XXXX for not receiving the requested bank statement. I always scan and email my documents. To make matters worse, I am unable to drive after the XXXX which left me mostly XXXX with little use of XXXX XXXX of my XXXX so I have to call taxi 's to bring me to pick up bank statements and then to scan to the bank which is going on a few times a month for 25 months now as I started t his process when I was only one month delinquent. I could have been making mortgage payments all these months but they just will never give me a decision. Only play games with a XXXX borrower who is now in foreclosure.
Consumer complaint received 2017-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am a client of  Capital 1, w here are my points. I make sure to pay my try my hardest to keep a close eye on my payments. My  credit score  has only gone up  XXXX  point with  XXXX   XXXX . Can someone explain to me why I have  XXXX  account s Capital 1 a nd   XXXX   XXXX  .
Consumer complaint received 2017-06-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (PA)

I initiated papers to have a direct transfer from Wells Fargo to XXXX XXXX XXXX of a Roth IRA, account # XXXX. Supposedly the IRA transfer office in XXXX XXXX, SD transferred the funds by mail on XXXX/XXXX/2017. After 1 month and the funds not being received by XXXX, I sent stop payment papers to Wells Fargo in S.D. and although XXXX XXXX says the papers were delivered XXXX/XXXX/17 @ XXXX, Wells Fargo said they never received them. On Thursday, XXXX/XXXX/17 The local branch of Wells Fargo faxed the papers and on Friday they said they received them but it would take 3-5 business days for them to stop payment and another 90 days for them to re-issue a new check. Given that XXXX never received the funds in the first place and Wells Fargo claims they never received the stop payment papers delivered by XXXX XXXX, the 90 day waiting period, I am concerned I will never receive my funds.
Consumer complaint received 2017-06-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (FL)

In XXXX 2017, Capital Accounts began reporting a medical debt to my credit from XXXX XXXX XXXX XXXX. This was shocking to find on my credit for a number of reasons. 1- I am insured, so there should be no debts owed to the doctor. And I certainly did n't know they thought I owed them anything, as I never received a bill. Otherwise, I would have handled the mistaken debt with them directly. I dont even know who XXXX XXXX is. 2- When I looked up Capital Accounts to make sure they were a legitimate company, and not one of the scammers that have become so prevalent of late, I discovered that they are n't licensed to collect debt in Florida . Both the doctor and I are both in Florida, so I 'm honestly not sure how it 's possible for them to be reporting a debt they are n't even allowed to collect. Though it may explain why I never received notification from them prior to the account being reported to my credit for non-payment. 3- The amount I supposedly owe keeps changing. When I look at the reported balance history on my XXXX report, the amount increases a couple of dollars each month. Is interest being added? Or has Capital Accounts decided to tack on fees for the debt? I did n't think that was allowed.
Consumer complaint received 2022-10-29
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$560.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$500.00}
Consumer complaint received 2017-06-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On  XXXX / XXXX /  XXXX  , I submitted complaint #  XXXX , On  XXXX / XXXX /  XXXX   Bank of America gave the appearance of responding and closed the complaint ; however, Bank of America did n't take the complaint seriously and in Bank of America 's response to us they provided old copies of their Attorney 's    XXXX   XXXX   XXXX   XXXX     response to old complaints which never answered questions in previous complaints AND DEFINITLY DID N'T ANSWER THE QUESTIONS IN THIS COMPLAINT. When I called Bank of America and asked them why they did n't take OUR complaint seriously BANK OF AMERICA CUSTOMER SERVICE REPRESENTATIVE INDICATED IT WAS USELESS FOR US TO SUBMIT COMPLAINTS TO THE CONSUMER FINANCIAL PROTECTION BUREAU BECAUSE THE CONSUMER FINANCIAL PROTECTION BUREAU IS SHUTTING DOWN AND WE WERE WASTING OUR TIME. THE BANK OF AMERICA CUSTOMER SERVICE REPRESENTATIVE ALSO INDICATED THAT MY  XXXX  MUST CAUSE ME TO BE SLOW TO UNDERSTAND THINGS BECAUSE I WAS N'T GETTING THAT THE CONSUMER FINANCIAL PROTECTION BUREAU IS SHUTTING DOWN. THE BANK OF AMERICA CUSTOMER SERVICE REPRESENTATIVE INDICATED BANK OF AMERICA WAS N'T GOING TO ANSWER ANY COMPLAINTS SUBMITTED THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU BECAUSE THE CONSUMER FINANCIAL PROTECTION BUREAU IS SHUTTING DOWN. THEREFORE, ALTHOUGH I MAY BE SLOW I AM FILING MY COMPLAINT AGAIN BECAUSE BANK OF AMERICA NEVER GAVE ME A ANSWER BECAUSE AS BANK OF AMERICA INDICATED THE CONSUMER FINANCIAL PROTECTION BUREAU IS SHUTTING DOWN AND THEY DIDNT HAVE TO ANSWER MY COMPLAINT. ALTHOUGH AS BANK OF AMERICA INDICATED THE CONSUMER FINANCIAL PROTECTION BUREAU IS SHUTTING DOWN THEY ARE N'T SHUT DOWN YET AND SO THIS SLOW PERSON IS GOING TO REFILING OUR COMPLAINTS UNTIL I GET A RESPONSE TO MY COMPLAINT.       Bank of America has violated Bankruptcy  Law  and state and federal laws by trying to foreclose on our home while in bankruptcy with fraudulent documents. Master Servicer Bank of America developed a scheme and transferred loan to  XXXX   XXXX   XXXX  to cover up Bankruptcy Law violations.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Everything must be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigated but how is that possible if the account is reporting as a charge off with a balance of {$12000.00}, the date last active is inaccurate, and the last date reported is not accurate. The account history of late payments is inaccurate, the car was XXXX on or around XX/XX/year> not later the charge off date is inaccurate. 
This ground for removal they also violated my rights under : 15 U.S.C 1681 Section 602 A. States I have the right to Privacy. 
15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 

Also, the credit Bureaus took more than 30 days to complete my investigation.
Consumer complaint received 2024-10-19
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. (TX)

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-19
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. (KS)

I disputed some charges that were due to identity theft, and they decided that the charges were legitimate so I asked them what the process was that they went through to determine whether the charges were legitimate or not to verify the debt, and they never answered me so I asked them what information that they had gotten from the companies that verified that the debt was mine, and they never provided me with that. I asked them who they spoke to with the companies and they never provided me with that. They refused to remove this from my credit report and they refused to provide me with information that tells me how they determined that the debt was actually mine, which it is not and I cant get any resolution to this situation.
Consumer complaint received 2024-10-19
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. (MI)

Iam a victim of identity theft i found a few account that is not mine i have 2 businesses and i don't have any collections and they removed it couple months ago and now they put it back on my Experian without notifying me or mailing me or calling me or emailing me and this is illegal they broke the law and violated my rights this is illegal as of 15 U.S Code 1692g validation of debts these guys have no respect for the laws and this is improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose please remove it from my report : XXXX  Original Creditor : XXXX XXXX XXXX XXXX  XXXX and these inquiries were without my permission : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-19
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. (AL)

I am writing to formally express my concerns and frustration regarding the XXXX data breach that occurred in 2017. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. XXXX is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Consumer complaint received 2024-10-19
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. (GA)

Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : Unverified account
Consumer complaint received 2024-10-19
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. (LA)

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-19
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)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX Consumer Financial Protection Re : Disputing error [ s ] on credit report Dear Consumer Financial Protection, I am writing to request a correction of the following information that appears on my [ XXXX, Experian, XXXX ] consumer report : I am a victim of identity theft, and I dont recognize one or more of the accounts on my report. There are four negative accounts on my credit profile that has been causing me financial distress XXXX, XXXX nor Experian has yet to validate nor send proof that these accounts belong to me. These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are reporting to my credit profile that XXXX, XXXX, Experian has failed to assist in getting the issue resolved. 

Thank you for your assistance. 
Sincerely, XXXX XXXX