davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

I have been having a whole lot of trouble communicating with the credit bureaus. I have no idea why. 

If I call, I get put on hold for what seems like forever- with the worst hold music, to boot. I think that they put terrible hold music on in hopes that people will simply hang up. If anyone ever answers, it's always a foreigner with a thick accent that is difficult to understand. I threw my voice out and injured my throat yelling last night on the phone with a XXXX rep after she told me twice that I was being rude or mean to her when I literally was not. My spouse as my witness.
Consumer complaint received 2024-06-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (NV)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (TX)

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 U.S.C. 1681 Account : XXXX XXXX XXXX Account # XXXX Account : XXXX XXXX XXXX  # XXXX Account : XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX 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 an 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, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 's ( 2 ) ( 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 2021-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc. (NY)

I made a payment to them on XX/XX/21. They returned it on XX/XX/21, then they accepted the payment, then charge me a {$25.00} late fee. According to them they having problem with my bank which XXXX. None of my other credit cards are having this problem. This the XXXX time it happen, I think they are doing it on purpose to charge me a late fee.They are ripping me off! I believe they doing this to other people too!!
Consumer complaint received 2020-07-12
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: Auto Buyers Credit LLC (FL)

Investigation is taking longer than 30 days. Sent letters to XXXX, XXXX & XXXX XX/XX/XXXX about inaccurate information on my credit report. 

The following account is outdatedABC AUTO INC {$4300.00} date of last payment XX/XX/XXXX The following account is inaccurateXXXX XXXX XXXX  {$250.00} The following account is inaccurateXXXX XXXX XXXX  {$430.00}
Consumer complaint received 2023-04-11
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. (CA)

In accordane with the fair credit reporting act convergent account CREDITOR / COLLECTOR : XXXX XXXX Account : XXXX BALANCE : {$0.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX XXXX Account : XXXX BALANCE : {$0.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX XXXX  Account Number : BALANCE : {$0.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX XXXX Account Number : XXXX BALANCE : {$0.00} CREDITOR / XXXX XXXX XXXX Account Number : XXXX : {$0.00} CREDITOR / COLLECTOR : XXXX XXXX Account Number : XXXX BALANCE : {$0.00} CREDITOR / COLLECTOR : XXXX XXXX Account XXXX XXXX : {$0.00} CREDITOR / COLLECTOR : XXXX Account Number : XXXX BALANCE : {$610.00} The Credit bureaus stated my account was properly investigation but how is that possible is the open date is in accurate, the date last active is inaccurate, and date last reported is not accurate. The 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Also the credit bureaus took more than 30 days to complete my investigation
Consumer complaint received 2024-08-06
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. (OH)

XXXX XXXX XXXX {$650.00} Removed XX/XX/year> & Replaced XX/XX/year> I requested proof of agreement between myself XXXX XXXX XXXX XXXX which does not exist as I have not entered into any agreements with this collector that would allow them to report to any XXXX  about any accounts.
Consumer complaint received 2024-08-06
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-11
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. (FL)

XXXX XXXX ACCOUNT NUMBER- XXXXTo Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec . 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state.

accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA.

I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2024-06-11
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. (IL)

PLEASE BLOCKED AND REMOVED.

The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-08-06
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. (IL)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2023-03-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (GA)

In XXXX of XXXX I turned in an XXXX XXXXXXXX after leasing for 3 years from XXXX XXXX : upon purchasing a XXXX XXXX from XXXX in XXXX SC and financed through Ally Financial at 19 % APR my credit was. XXXX and now XXXX. Ally Financial has reported negative information to the credit bureau since XXXX of XXXX. Despite all of my efforts to make payments monthly for {$420.00} and most of the time {$430.00} or {$450.00} all of my hard money is ongoing toward interest and LATE CHARGES! I have contacted Ally Financial numerous times asking for my due to be changed from the XXXX of each month to the XXXX of each month since I have retired. I do not understand what that company is doing with my monthly payments of the amounts mentioned above. I even asked for a decrease in the APR and was denied twice. I am very upset in the way that I am being taken advantage of financially with this company and no one is available to solve any problems. Thank you for your attention with this matter that seems impossible to resolve. At the present time for XXXX payment the company stated that I owe {$850.00} I don't understand how this company can revolve late charges continuously for months and months.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (TX)

In approximately the XX/XX/XXXX, I went through a divorce. I reached out to LoanCare and worked out a plan with them to get me back on track. At this point I was approximately 3 months behind on my mortgage. The issue was resolved. Ever since then, they have continued to report on my credit that I have been late approximately 32 times. All between XXXX. This is preventing me from being able to sell my home and move, as well as negatively affecting my credit. I can provide statements from my bank account showing my payments have been on time with the exception of 2-3 that were approximately 5 days late. This is something I have been told several times would be resolved on their end but has not been. According to the payment history on their portal, they did not apply many of the payments I made until MONTHS later. In some cases, the dates on their end dont even make sense. Such as XX/XX/XXXX. 

Please note, when I tried to attach the statements it will not open the pop up. Probably something on my end. I would be happy to provide all of that if you send me an email.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

Upon checking my consumer report, I have become aware of the many errors, including false and misleading information, these collection accounts do not meet the credit reporting Standards of reporting 100 % accurately. This has ruined my reputation, has caused embarrassment and humiliation and is damaging my entire life by Keeping me from getting new credit for personal, family and household purposes. I respectfully demand the Consumer Financial Protection Bureau to enforce the deletion of these accounts.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I have recently been informed that there are several Bankruptcy listings in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file.

The United States Bankruptcy Courts of XXXX  DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. 

Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature.
Consumer complaint received 2024-06-11
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. (AZ)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX and Experian are not reporting the correct information on my credit report. I filed a dispute with both of them and have not changed my report to reflect the proper data. My mortgage was sold by " XXXX XXXX ''. The account was reported as " Closed ''. It was not closed. XXXX purchased the mortgage. They noted and recorded the mortgage and XXXX accurately showed that my account was created on XX/XX/2008. XXXX and Experian will not change the data to reflect the proper information.
Consumer complaint received 2017-01-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have already filed a complaint with the CFPB against my mortgage loan servicer, Nationstar Mortgage, reference number : XXXX. However, my mortgage loan is actually owned by XXXX Bank, so I understand I must file this separate complaint against them. XXXX Bank had securitized my loan prior to and during the financial crisis. I have been attempting since XXXX to get a loan modification and principal reduction from XXXX Bank through my loan servicers, first XXXX XXXX XXXX, and now Nationstar, but XXXX Bank has always refused, stating that they do n't give loan modifications or principal reductions at all. Prior to Nationstar, my loan was serviced by XXXX XXXX XXXX, which churned my requests for loan modifications for a period of 3 years. When I brought in the California XXXX during the financial crisis to deal with XXXX, XXXX XXXX XXXX gave me a " loan modification '' that had much higher payments than my previous ones, and then promptly sold my mortgage to Nationstar within days, with an additional {$120000.00} in fees tacked onto my mortgage, making my mortgage greatly underwater and making it so I have struggled terribly financially since then to keep my home, having to work up to XXXX jobs at a time, file bankruptcy, and lose all my retirement. I continue to struggle greatly to keep my home that is still underwater because of this financial abuse by these mortgage bankers, in particular XXXX Bank, which has always refused to modify my heavily securitized mortgage. XXXX Bank just settled with the U.S. Department of Justice for their criminal mortgage practices XXXX XXXX and are supposed to provide relief to consumers in the form of loan modifications and principal reductions. My home is in the foreclosure process, due to be sold XXXX XXXX, XXXX, and I am filing for a loan modification this week, and I want to be certain that XXXX Bank is required under the new mortgage settlement to apply a loan modification and principal reduction to my mortgage as soon as possible to rectify their abuses against my mortgage loan and myself from their criminal mortgage practices.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Shellpoint Partners, LLC (CO)

I got a line of credit through XXXX XXXX XXXX on XX/XX/year> and I was making a monthly payments on time till I paid the loan complexly, I was never late even once. When I checked my credit I saw a company NR/SMS CAL that was reporting a late payment for the same amount but different account number, I never sign up with this company nor made any payment to them, I never heard about this company before. I believe there was some kind of mistake made in the system! Maybe the loan got sold to a new company but I always paid on time to XXXX XXXXXXXX XXXX. Thank you!
Consumer complaint received 2024-08-06
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. (NY)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-07-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Continuing from the last CFPB case, XXXX Regarding the attached late payments, the only past-due notice I received was on XX/XX/XXXX. For all other payments, I received two emails : one confirming the payment was scheduled and another confirming it was posted. However, I never received an email notifying me of a returned payment. 

This is very misleading and in violation of the following. 

* CFPB Regulations and Guidelines Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : The CFPB prohibits UDAAP. If your credit card company failed to notify you about a reversal of charges, causing harm or confusion, it is considered an unfair or deceptive practice. 
* Regulation Z ( Truth in Lending Act ) : Regulation Z requires clear and timely communication about changes to your credit card account. Failure to inform you about reversed charges violate these disclosure requirements.
Consumer complaint received 2024-07-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

i received in the mail randomly a quick silver card. i thought it was a new one to my current account. I then logged into my account and the new number wasn't showing. I then called them. they then told me that it was a card from another credit card holder and I told them I never requested the card. they said that the card holder was the only one that could remove me as an authorized user. I told them that I have every right to request to be removed from an account that I wasn't aware of nor did I want it affecting my credit. They hung up on me. 

i called capital one at XXXX. 

I found out later that it was my husband account and that it was a card he doesn't use and doesn't even have a new card but he never had me on his card. I believe they added me without authorization and I believe if I see a card that comes in mail and Im unsure of it that I should have the right to remove me from accounts.
Consumer complaint received 2024-07-11
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 (MI)

XXXX is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these inquiries and I demand that they be removed off my credit profile. I know that only 100 % information can be reported on my credit profile and that any inaccurate Information must be removed. These inquires has caused me to be denied credit and has caused me great financial harm because I can't obtain credit and was denied several loans due to this inaccurate information, they refuse to remove off my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. The inquiries listed below do not belong to me I never gave them permission to obtain my credit profile or gain access to my social security number. REMOVE NOW >>>>>>>>> CAPITAL ONE -Inquired on XXXX XXXX XXXX XXXX inquired on XXXX XXXX XXXX - Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX
Consumer complaint received 2024-07-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE (MS)

A Barclays US company is calling me multiple times a day, over a dozen times a week. The number they are using is XXXX XXXX. The calls began on XX/XX/XXXX, and I have since received 38 calls from them. I answered their calls in XXXX and whoever was on the other line was rude and uncooperative. I believe the calls are in relation to a credit card I began applying for months ago, the Frontier Airlines XXXX, but never completed. As of today, I will block this number. I can provide screenshots of their call receipts.
Consumer complaint received 2024-07-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XX/XX/2013 {$5700.00} Request for Debt Validation Pursuant to IS XXXX XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) ( 15 USC 1692g ) stating your claim is disputed and validation is requested. credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character :
Consumer complaint received 2024-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently called a credit professional and transunion and was told that there were 4 hard credit checks on my credit report I do not recall and also a medical debt for {$470.00} dollars that I never accepted or was aware of I have medical insurance and dont understand why Im being charged for something I never used.