davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: NAVY FEDERAL CREDIT UNION (MD)

I have applied for a HELOC XXXX times with Navy Federal Credit Union. The first application in XX/XX/2023 was turned down due to high XXXX ratios. However, XXXX subsequent conversations found an error in the amount keyed into the system ( a XXXX was missing ). The second conversation revealed my monthly income was listed as my annual income. The second HELOC application submitted in XXXX XXXX, the underwriter refused to use my rental income generated from properties owned by me through my single-member LLC. My current/third application, submitted in late XXXX has consistently asked for trivial things via piece-mail. For example, XXXX weeks ago, I was asked about proof of a $ XXXX monthly XXXX fee, and then the week after that I was asked for proof of land that I paid cash for. Then last week, I was asked for last year 's tax returns. I have over $ XXXX in RE assets, $ XXXX liquid cash in my checking/savings, no credit card debt, my car is paid for, my credit score is XXXX and by my calculation, my XXXX is 20 %. What has been additionally challenging is Navy holds the first mortgage on my home. Of which I pay nearly double the required monthly payment. This whole experience feels racist, unfair, deceptive, and dismissive of my loyalty and ease of ability to repay.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2023-11-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have XXXX hard inquiries that were all unauthorized. 

Bank of America XXXX : XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

On XX/XX/XXXX I requested Experian to provide proof of where the received a bankruptcy records. On XX/XX/2023 experian replied and stated ( The company that reported the information has certified to Experian that the information is accurate ) Experian still hasn't provided the proof.
Consumer complaint received 2024-08-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (AZ)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and XXXX 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 collections account opened at account SEQUIUM ASSET SOLUTIONS , LLC on XX/XX/2024 with a balance of {$1100.00} that appears related to the aforementioned personal loan account at unknown, a collections account opened at XXXX XXXX XXXX on XXXX XXXX with a balance of {$7000.00} that appears related to the aforementioned rental of apartment or house account opened at XXXX XXXX XXXX, another collections account opened at XXXX XXXX XXXX XXXX on XX/XX/2024 with a balance of {$3500.00} that appears related to the aforementioned rental of apartment or house account opened at XXXXXXXX XXXX XXXX. These accounts have resulted in several 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, or hard inquiries as reported. The aforementioned accounts, collections, 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 2024-08-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

On XX/XX/2024, I waited on the phone for over 2 hours for a MOHELA service representative to speak with me about their recent decision to inform me of my {$1200.00} monthly payment due XX/XX/2024. 

I had previously consolidated my loans and submitted an application for the SAVE repayment plan ( submitted on XX/XX/2024 ). I was informed by the MOHELA customer service representative that they would not process my application due to the XXXX XXXX XXXX XXXX XXXX injunction ( decision dated XX/XX/2024 ). I expressed my dissatisfaction with that decision and asked to speak with a supervisor. I was told by two different representatives that they would transfer me to a supervisor, but both subsequently refused to transfer me. I never got to speak with a supervisor, nobody was willing to answer my question of why MOHELA were refusing to process my SAVE plan application which they received before the date of the injunction. 

I would greatly appreciate your assistance in resolving this matter.
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/2023, {$570000.00} was wired to my personal acct for consulting services rendered. The wire was from XXXX XXXX bank. The money cleared and was briefly available to me on XX/XX/2023. I sent out approximately {$700.00} in small transactions. On XX/XX/XXXX I attempted to send various amounts out of my account to others, the account was frozen and access to my account was blocked. The credit union unblocked, however the money has been frozen until this current day. I have inquired several time, as to the reason for of these actions. The security division of the credit union is investigating a concern, but has not clearly communicated with me verbally or in writing the reasons for these actions. 

Ten business days have passed and I need the CFPB 's assistance in obtaining resolution of this matter.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 

*My name is : XXXX XXXXMY middle name is : XXXX XXXXMy last name is : XXXX XXXXMy Social Security number is : XXXX *My address is : XXXX XXXX XXXX, XXXX, FL XXXX *My date of birth XXXX XXXX  security freeze
Consumer complaint received 2023-11-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NY)

I received mails from XXXX different companies advising me that I have Collections accouts and asking me to make payment or payment arrangement and I refused because those are not my accounts, my personal information was stolen including my SSN, address, phone number and it's sad to tell you that my own sister did that to me. I've been trying to dispute it on the the XXXX bureaus for years now and no good news, the credit bureaus advised me to make this report and send it to them and if I'm lucky they'll be able to remove it because it's affecting my score and in general it's frustrating to be accused of something that you didn't do and they make you responsible for it.
Consumer complaint received 2024-08-20
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (AZ)

I have XXXX Discover cards. The first had a credit limit of {$4500.00}. The second had {$4000.00} limit. On XX/XX/year>, Discover lowered the limits on both cards, causing my utilization to go up, which lowered my XXXX XXXX. I was at a loss as to why this happened. I called Discover and they had no explanation. I immediately froze both cards, but still paid on them monthly. IOn XXXX XXXX I received a letter from Discover saying they increased my limit to {$4000.00} which it originally was. The letter says this was due to correcting a system error. My wife has covid and I had been sick for XXXX weeks, which is why I haven't picked up my mail sooner. I called Discover yesterday ( XXXX XXXX ) and spoke with a representative in their XXXX XXXX XXXX. I inquired about the letter for my XXXX card, and he apologized about the system error. I asked about my XXXX card which still has a lowered credit limit of {$3000.00}. He advised it was lowered at the same time as card XXXX, but that it was permanent XXXX could not be restored as card XXXX. He said the only thing I could do would be to apply another card. I do not think this is just. My scores have fallen due to this and I believe my limits should be restored on both cards since both were lowered due to this system error.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX XXXX 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 2023-02-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

For the last 5 months they are posting my payments XXXX XXXX to XXXX weeks after I have paid them so I occur a late fee!!! 
I have attached the examples : On XX/XX/XXXX my balance was XXXX due XX/XX/XXXX I paid XXXX on XX/XX/XXXX They never rcvd and posted it on XX/XX/XXXX statement, thus I was charged a late fee plus interest. 
On XX/XX/XXXX my balance is now XXXX with added late fee and interest. I call and they said they will refund me late fee so all I owed was an additional XXXX, though it didn't make sense I paid that amount. 
On XX/XX/XXXX my balance is XXXX with a refunded late fee and a new late fee charge and now it's XXXX. I made a payment XXXX on XX/XX/XXXX it was due on XX/XX/XXXX... again they posted XX/XX/XXXX. They called me and I then paid an additional XXXX. Called them again to try and resolve this because I bought 1 item for XXXX in XX/XX/XXXX. 
I asked them what is my final balance on XX/XX/XXXX they said XXXX which i gave them over the phone and I told them to close my account. 
well that posted late and my balance is XXXX. 
All I am doing is paying late fees and interest!!!! I can never get ahead!! 
Please Help me!!!!! It is not reasonable to post payments so late so that I incur this late fee every month. I don't PAY LATE!!!
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CT)

I have been unable to access my Equifax account or information for years now. When I try to reset my password it tells me no account exists with my email address and then when I attempt to create an account with the same email address it says I already have one. I have called Equifax numerous times and confirmed my identity with them. They tell me someone will follow up with me to resolve the issue and it has never been resolved. I need to be able to access my account.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-07
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. (WI)

I had XXXX mortgage companies do a hard credit pull within the XXXX  days from Experian and they where all pulled on XX/XX/XXXX and XX/XX/XXXX of XXXX. Under the fair act I am under the understanding that those pulls were only to count has XXXX group and not individually. My credit score with Experian was XXXX when those mortgages where pulled. I checked my Experian account and my score dropped down to a XXXX. That is a drastic hit to my credit score. I emailed Experian and asked and informed them that I had a XXXX  day window to have the mortgage companies do a hard credit pull which all three where pulled between XXXX XXXX XX/XX/XXXX of XXXX. I contacted Experian on XX/XX/2023 and I was emailed back XX/XX/2023 saying that they do not know why my credit score dropped. I feel that they missed used my credit reporting and that this is not fair due to that I have a XXXXday waiting period. i have proof of what my credit score was before and what it is now with Experian.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XX/XX/XXXXaccording to XX/XX/XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2023-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (UT)

I signed up for Autopay in XXXX XX/XX/23. Payment was due XX/XX/23. Today is XX/XX/23 and i didn't see any activity on my checking account so i checked Aidvantage and it doesn't show any payment processing. Instead it shows a past due amount! 
I immediately made a payment XX/XX/23 to not be delinquent. 
I just got off the phone with Aidvantage and the service representative said this won't effect my credit score? The representative said it can take 10-14 days for the Autopay to be set up with the bank. I don't want my credit score showing I missed a payment because Aidvantage is slow. We communicate near the speed of light and yet it takes 10-14 days for Autopay to be set up.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I HAVE BEEN DISPUTING INCORRECT LATE PAYMENTS ON MY CREDIT REPORTS FOR MONTHS NOW AND TO NO AVAIL THEY REMAIN IN ERROR. XXXX, XXXX, AND EXPERIAN FAILED TO PROPERLY DO AN INVESTIGATION TO HAVE THESE ERRONEOUS BILLING ERRORS CORRECTED. THE FIRST ACCOUNT IS REPORTING THAT I WAS 30 DAYS LATE FOR XXXX WHICH IS FALSE BECAUSE MY PAYMENT WAS DUE FOR XXXX ON THE XXXX OF XXXX I MADE MY PAYMENT ON XX/XX/XXXX IN THE AMOUNT OF {$400.00} WHICH MEANS THAT I WAS ONLY 3 DAYS LATE AND NOT XXXX DAYS LATE FOR THE MONTH OF XXXX. THE NAME AND ACCOUNT NUMBER ARE : XXXX XXXX XXXX XXXXXXXX. I WANT THIS ACCOUNT TO BE UPDATED FOR THE MONTH OF XXXX XXXX DUE TO AN ERRONEOUS BILLING ERROR. THE SECOND ACCOUNT THAT IS REPORTING INACCURATELY IS XXXX XXXX XXXX. THIS ACCOUNT IS REPORTING THAT I WAS 30 DAYS LATE FOR XXXX XXXX MY PAYMENT FOR THIS ACCOUNT IS DUE EVERY MONTH ON THE XXXX AND I PAID ON THE XXXX OF XX/XX/ WHICH IS ONLY XXXX DAYS PAST DUE ( NOT 30 DAYS ). THIS IS ALSO AN ERRONEOUS BILLING ERROR AND NEEDS TO BE CORRECTED TO PAID ON TIME. BOTH ACCOUNTS BEING REPORTED ARE A VIOLATION OF 12 CFR 1026.13. I HAVE ATTACHED PROOF FOR YOUR REVIEW.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2023-11-07
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. (MI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.