davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America continues to report late payments to a credit card on an account that was opened in XXXX. My records show no late payments and they show 1 late payment over the course of at least 3 years. I closed all accounts and paid all of them off on or around XXXX. 

It is now XXXX and these jerks continue to file this late payment and won't let it go some 28 years later. It keeps me from getting a perfect XXXX and my credit rating has never gotten over XXXX. 

This account is paid off and closed for over 20 years now ... when will it end? I contacted them and they simply refused, said their records were correct and I asked them to prove it and they said they didn't have to ... and this has been on my account for over 20 years. XXXX refuses to remove it without Bank of America. And despite all of my requests, they continue to renew it every year for no apparent reason.
Consumer complaint received 2016-08-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: The J. G. Wentworth Company (OR)

I obtained a mortgage loan with JG Wentworth in XXXX 2016. I made a payment in XXXX, with an additional amount not be credited to Principal. The loan was transferred to XXXX with the first payment ( XXXX ) showing as being paid, but missing the Principal payment. When contacted, they stated that it would take up to 60 days to transfer the additional principal. I do n't feel that 60 days is a reasonable amount of time, since they were able to correctly apply and transfer the payment that was made in the same transaction.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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

Account name XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, account names : XXXX XXXXXXXX XXXX XXXXXXXX, account name XXXXXXXX XXXX XXXX XXXX XXXXXXXX, account name XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX bankruptcy discharged reference # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION (GA)

Subject : Dispute of Unauthorized Credit Inquiry I am writing to formally dispute certain unauthorized inquiries on my credit report, as outlined under the Fair Credit Reporting Act, specifically 15 USC 1681b. Upon reviewing my credit report, I identified several inquiries that I do not recognize and did not authorize.

Unauthorized Inquiries : Company Name : Navy Federal Credit Union Inquiry Date : XXXX XXXX XXXX  Reason for Dispute : Unauthorized access These inquiries were made without my permission or any legitimate purpose as defined by 15 USC 1681b. As such, they are in violation of my rights under the Fair Credit Reporting Act. I request that these inquiries be immediately investigated and removed from my credit report.Under 15 USC 1681b, a credit report can only be accessed under specific circumstances, such as with the consumer 's explicit consent or for legitimate business purposes. Since I did not authorize these inquiries, they must be considered unauthorized. 
I request that the credit bureau investigate this matter promptly.
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Loan Pronto, Inc. (MI)

Loan pronto out of XXXX must be using an ad agency who does not know basic compliance .. they repeatedly run radio ads on capitol broadcasting touting aprs in the XXXX .. no rate, no loan program .. and when you call its bait and switch.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC (NC)

I am writing to dispute an unauthorized credit inquiries that appears on my credit report dated [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ] The inquiry was made by [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] without my consent or knowledge, which is a violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX. According to my records, I did not initiate any transaction or authorize [ XXXX ] to obtain my credit information. I request that the CFPB investigates this matter and ensures the immediate removal of the inquiry from my credit report. I have attached relevant documents that support my claim
Consumer complaint received 2016-07-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Eastern Account Systems of Connecticut, Inc. (TN)

Eastern Account Systems and XXXX XXXX XXXX are negatively reporting on my credit report with XXXX in the amount of {$390.00}. I filed police report # XXXX and Report # XXXX regarding identity theft that occurred in XXXX TN with the XXXX XXXX Police Department. I have provided a police report, affidavit, and lease agreement where I resided in XXXX TN at the time of the ID Theft. I have presented this information to both XXXX and Eastern Account Systems. When I spoke to the Id Theft Department for Unauthorized Charges at XXXX they were unaware of Eastern Account Systems reporting to XXXX and explained that Eastern Account Systems should not be reporting. I have submitted information on more than XXXX occasion and disputed information with XXXX and Eastern Account Systems continues to report that I owe {$390.00}. I attempted to have cable services installed through XXXX on XXXX XXXX and they canceled my installation appointment without notice after I took off from my job. They gave me a new appointment then after having cable for 3 days they then disconnected my services because of the unauthorized charges from someone in XXXX TN in XXXX and XXXX. I do not owe XXXX or Eastern Account Systems any money. I have lost time from my job and wages because of this as well a major blemish to my credit report for several years.
Consumer complaint received 2024-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FULTON FINANCIAL CORPORATION (MD)

My mortgage years run from XX/XX/XXXX through XX/XX/XXXX, and this complaint is regarding the current mortgage year and the start of the next. The mortgage company ( Fulton Bank ) paid a year 's worth of homeowners insurance from my escrow account twice ( two payments within 9 days, XX/XX/XXXX to XXXX XXXX and XX/XX/XXXX to Homesite ; a total of approximately {$6000.00} ). Note : I initiated the change in my homeowners insurer on XX/XX/XXXX, and I was informed via email on this date that the changes were documented by the broker and communicated to the mortgage company. Mortgage company advised that they are required by law to pay whatever insurance companies ask to be paid, and my broker ( XXXX, who sold me the previous policy underwritten by XXXX XXXX and the new policy underwritten by XXXX  ) demanded payment for the renewal ( XXXX XXXX ) policy earlier than what is typical or usual ( i.e., on or prior to XX/XX/XXXX because payment was made on XX/XX/XXXX for approximately ~ {$3600.00} ; the payment was due at the end of XXXX of XXXX, when the next mortgage year begins ). Mortgage company says I should take the issue up with XXXX and the new and old underwriters. Mortgage company was asked by me if they have any kind of monitoring of escrow accounts ( they said they have to do research on my account ), what happens when escrow accounts are in the negative ( they said nothing ), how a negative balance on my escrow accounts affects the algorithm used in their annual escrow analysis ( they said it could effectively negatively affect my annual escrow analysis ), and when the annual escrow analysis occurs ( they said roughly the same time every year, so possibly late XXXX is when I would be notified of the outcome ). My primary concern is it doesn't seem like anyone is monitoring my escrow account other than me, but I am obligated to use this escrow account to pay my taxes and property insurance. My other concern is that my escrow analysis will be negative and result in me being forced to pay a higher monthly mortgage payment for the next mortgage year. For example, last year, the mortgage company did not let me choose to pay the projected shortage ( less than XXXX dollars ) and instead decided I would pay in monthly payments over the mortgage year instead to make up the shortage, so my payment went up. This current mortgage year, I thought I was doing the right thing by paying extra into my escrow account to ensure there was no escrow shortage for subsequent insurance and tax payments. But instead, I'm have a negative balance. I pulled money out of my meager savings account to put into the mortgage escrow account in hopes that this will positively influence the next annual escrow analysis. Now XXXX and XXXX are also saying they have not received payment for the new insurance policy, so I basically don't know where ~ {$6000.00} of my money is.
Consumer complaint received 2024-08-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (WA)

The company in dispute : Credit Collection Services XXXX XXXX XXXX XXXX. 
XXXX, XXXX I have been placed on collections for several years with this company in regard to the same alleged unpaid bill. Over the past XXXX years I have been contesting the collection and every time it gets taken off the credit report ; then a year later shows up again. 

Every time I have disputed the collection, it gets dropped out ; but no records have ever been sent to me pertinent to the original bill/account. 

I am not even sure who is the original company, as I have asked in many times to receive the copy of the original company. It appears to be from a XXXX  company, or similar. 

The problem is that this keeps showing up every year after it has been erased, despite constants requests and disputes. 

It is very frustrating, as the amount is not even large. The total disputed amount is for {$300.00}. It makes me wonder that they are doing this in order for me to pay it, and just try to get it finally removed from the credit Bureaus. I believe that this tactic is unfair, predatory and inappropriate ; as I have not given the opportunity to even confirm this collection/debt. 

I have a very good credit, and no other issues ; but this collection is significantly affecting my scores as it shows every year, so it renews the cycle making it last for even longer.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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


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


I demand the late payment reported to be removed. 


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


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


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


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


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


Delete the late payments from my consumer reports
Consumer complaint received 2024-08-12
Product: Credit 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: WELLS FARGO & COMPANY (WI)

Dear CFPB I wrote by mail to you in XX/XX/XXXX; explained below in detail. Please see summary ; On XX/XX/XXXX ; I was notified by other investors, customers and employees that my ( now ex ) business partner investor frauded the company, customers and all the funds sent by me, all the credit cards, loans since XX/XX/XXXX ; in amount exceeding $ XXXX. I also immediately contacted credit cards, credit score companies by phone ( hours spent ), loan companies, banks, and I was told this was " a civil matter '' to be brushed off and they didnt ask or go after the perpetrator who used XXXX XXXX XXXX to fraud me and others. All XXXX banks and loan companies refused to help me. So I went on a search, this is not as they claim a civil matter. THIS IS A FEDERAL crime, and all the records will show that I begged pleaded with these companies, yet they continued and still continue to come after me. I then by email, mail contacted my senators, law enforcementand and law offices of XXXX XXXX in XXXX who handled XXXX XXXX case, to prosecute him. I am writing to inform you to inform all credit card companies, loan companies, credit score companies and reply to me that you received my letters. All the cards and loans in my name XXXX XXXX are used and my funds by this perpetrator, samet siper and his accomplice XXXX XXXX I ask you to notify these banks as well. As the perpetrator committed a crime of fraud, false documentation, fraud invoices, investment scam, identity theft, tax fraud among many others, I thank you for your support in advance. You can also contact my attorney XXXX XXXX and direct these banks : XXXX XXXX He | Him | His Partner XXXX XXXX XXXX XXXX XXXX, NY XXXX T XXXX M XXXX XXXX XXXX Kind Regards
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

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


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


I demand the late payment reported to be removed. 


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


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


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


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


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


Delete the late payments from my consumer reports
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (PA)

XXXX XXXX XXXX XXXX XXXX is purposely causing confusiuon, by repeatedly filling out claims forms incorrectly, and billing patients credit cards for services before submitting claims correctly to insurance company. 

these XXXX items are iun direct violation of their contracts with the XXXX XXXX XXXX  XXXX XXXX XXXX IS THE NAME ON CLAIM FORMS CHASE BANK DOES NOT UNDERSTAND THAT THEY NEED TO INVESTIGATE, NOT JUST STATE THEY HAVE. 

DATE OF SERVICE XXXX on both credit cards below BY CONTINUING TO BILL ME {$4000.00} ON CREDIT CARD # XXXX XXXX XXXX XXXX AND XXXX XXXX {$1000.00} ON CREDIT CARD # XXXX XXXX XXXX XXXX they are accessories to this crime. 

yes send this to CHASE BANK for a response AND THEY MUST REVEAL ALL INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND RESPONSE TO ME AS TO THIS DENTISTS BILLING XXXX PATIENTS ION DAY OF SERVICE AGAINST THE LAW
Consumer complaint received 2023-07-11
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: EQUIFAX, INC. (FL)

in accordance with the fair credit reporting act the list of the accounts below has violated my federally protected consumer rights the privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX .
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

According to Fair Credit Reporting, all of the above accounts have violated my right. 15 U.S.C. 1681 SECTION 602 A. DECLARES THAT I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 TO SECTION 2 ALSO PROVIDES THAT A REPORTING AGENCY OF THE CONSUMER CAN NOT PROVIDE AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-08-14
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Its been almost 2 years Bank of America sent me {$590.00} which isnt nearly enough more than XXXX including myself are homeless now since the pandemic because of Bank of America Im pretty sure they are not contacting the people asleep in front of stores and at parks the river beds ect that they owe money to I lost everything because of them I will make it my mission if not paid correctly wat I think is owed to me to let every homeless person I come across and everyone to spread the word that bak of America robbed them its not right meaning they had at the most 129 days to pay people there money and not chump change like they did me I wont settle and I will not let anyone else settle people including myself are homeless staving have lost there XXXX  and everything behind them and they wan na pay {$590.00} no thats foul in every way knowing that most of the people they owe have no address they sent my letter to a family member of mine old address luckily the neighbor was able to. Contact my family member to get the letter to me behind the store that I now live due to Bank of America Im sure its been longer than the court ordered date to pay wat they owe I will not settle for {$590.00} and will begin helping people who dont know about or how to claim there funds they are owed
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I requested the company correct discrepancies on the credit reporting agencies. Some late payments are reported one way on one and another way on another. This is hurting my score and they " verify '' the information though do not correct or validate for why it is correct. FCRA requires companies to remove information in that case.