davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2023-12-21
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (GA)

I missed only 1payment and called PHH mortgage. PHH mortgage told me that they would help me with a loan modification. Still I sent a payment on XX/XX/XXXX, even though I wasn't making enough because of a commission job. So I receive documents through my email about the loan modification to fill out. I fill them out and sent these 11 documents to their email address. I called PHH they stated that they have received the 11 documents on XX/XX/XXXX said that they are reviewing to call back in 5 business days. So we called back on XX/XX/XXXX PHH stated that the 2 check stubs was not legible. Stated that the forbearance plan has ended so can we pay XXXX dollars. I was shocked that they lead me to believe that they would help me being a Veteran that have served my country. So I find out that due to what PHH mortgage did, brought my credit score down that I couldn't even borrow the money. I resented the documents. They stated that on XX/XX/XXXX they didn't have the documents and ask do I want to talk to another relation Manager in more days. So on XXXX the agent spoke with us and said that the check stubs are not clear. So I stated that Iam just starting sending the payments. The agent stated that if I send the payments that they would send them back. Made another appointment on XX/XX/XXXX at XXXX.and said my check stubs that I went to the post office to send was still not clear. So now our home they said is going into foreclosure on XX/XX/XXXX. VA XXXX XXXX loan specialists sent them a cancelation for 60 days. And they still wouldn't give us this grace that they cause. So they didn't even honor the VA. The relationship Manager XXXX ) said this.
Consumer complaint received 2023-12-21
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX merrill lynch closed my account and said the funds settled and i would be set a check now they are tryingto say i owe them which is not true i only deposited 1 check that cleared and they will not give my funds to me they are my funds and they weren't suppose to send any funds to XXXX which they did not do they are rude and thieves and my statements show what and when they took out my money but they wont give it to me. They violated my rights and their contract aggreements.And they are still holding my money.now they said i owed them and that is letting me know they still have my funds.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OK)

This debt is over five years old and should be removed from my credit report. Oklahoma statue of limitation for contractual debt is five years, and I reside in the state of Oklahoma. My last date of activity for my XXXX XXXX account is XXXX XXXXXXXX XXXX but XXXX has inaccurately reported the date of XXXX XXXXXXXX XXXX. I asked for documentation from XXXX due to the inaccurate information and documents supplied from them confirm my last date of activity for XXXXXXXX XXXX  was indeed XXXX XXXXXXXX XXXX I have also filled a motion to dismiss in XXXX XXXX court due to XXXX inaccurately reporting the last date of activity, and removal on my credit report. XXXX removed XXXX from my credit report, but Experian refused to saying that XXXX said the information is correct. I even gave Experian the documents from XXXX showing that the dates are incorrect and that the restarted my date of debt that is now outside of the statues of limitation. Experian told me there was nothing that could do even when I called them over the phone regarding the dispute. XXXX has been sued several times for restating the debt on consumers credit report and continues to do the same today. Attached are the statements from XXXX showing that the debt is over five years old and in the state of Oklahoma is no longer within statues to collect.
Consumer complaint received 2023-12-21
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (WA)

I received a {$500.00} American Express XXXX XXXX XXXX credit card on XX/XX/XXXX from my employer as a holiday gift. 

I made sure the card was activated and on XX/XX/XXXX attempted to make an online purchase from a vendor who accepts AMEX ( XXXX ) for sale for {$360.00} after tax. This purchase required inputting all card security information including the security code, after which I got a message that there was an issue with an invalid payment. I tried to re-enter the card number and redo the transaction multiple times without success. 

I then attempted to make the same online purchase from another vendor who accepts AMEX ( XXXX, same price, item was to arrive XX/XX/XXXX ). I again provided the full card security information and it appeared the purchase was successful. However, days later the order was still pending, the payment had not been processed, there had been no charge to the AMEX gift card account and no order fulfillment progress from XXXX. 

On XX/XX/XXXX I called XXXX to check on the status of my order. XXXX told me that authorization of payment had been declined and that the issue was on American Expresses side. 

I checked the balance of my card online ( AmexGiftCard.comXXXX  ) and the balance was {$490.00} with XXXX {$0.00} chargers, XXXX from XXXX and XXXX from XXXX. 

At this point, I was very frustrated. I contacted AMEX Gift Card service by phone and was eventually able to reach a customer service agent. The agent told me that some online vendors reject cards if the security information is not provided. I told the agent the online vendors did ask for, and were provided with, all security information. I also noted that these vendors ( XXXX, XXXX ) are by far the largest online sellers in the XXXX and that it was ridiculous I could not use a prepaid card with them. The customer service agent then told me that I should instead spend the card in person and not use it online, despite the cardmember agreement explicitly saying this can be used for online purchases that accept American Express. 

The specific model of the product I am trying to purchase is not available in stores nearby and I obviously can not purchase from XXXX in person. I am in a position where A ) a XXXX gift is not going to arrive in time B ) I will not be able to take advantage of the online sale price or perhaps even find said item A ) I can't use my own money/gift card online even though they accept AMEX and XXXX ) I have been severely limited in where I can use my own money/gift card.
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

on XX/XX/XXXX i noticed two withdrawals each a little over {$1000.00} withdrawn from my joint checking account done at a XXXX and XXXX XXXX XXXX XXXXXXXX in XXXX, MA. immediately i reached out to my partner and was notified that over the prior weekend my partners phone drivers license all banking cards and banking information had been stolen. the individuals then on XX/XX/XXXX transferred {$8000.00} dollars from a savings account a proceeded to withdraw a total of {$2000.00}. a claim was reported with capital one bank XX/XX/XXXX and i was told all cards had been locked by capital one. XX/XX/XXXX i woke up to a XXXX negative balance after being told my cards were locked the day prior that balace was too disputed. fastforwarding to today XX/XX/XXXX capital one denies all claims due to login activity and electronic activity. i am declaring that capital one has not done a thourough investigation into my claims and has made false staments and has not stuck to their words. my account is fdic insured so any claim of fraud should be reinsured up tp {$250000.00} i do not want to bring litigation against capital one but i will if i have to
Consumer complaint received 2023-11-16
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. (NC)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 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
Consumer complaint received 2024-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I used Capital One Bill Pay to pay an {$8000.00} invoice for a slip rental to a XXXX. I assumed the check arrived and was cashed, because the {$8000.00} was taken from the checking account. I was balancing the books and found that same {$8000.00} amount on the Capital One Visa credit card, so I called the XXXX to ask why they would charge the amount to the credit card when I had sent the check, which apparently had been cashed. I was told they never received the check, and per the agreement we signed, they then charged the credit card. I called the bank and was told their policy is to charge the account when the check is ordered through Bill Pay. I had to file a claim, which was done 8 days ago, and they still have not refunded the {$8000.00} to the checking account. I have called daily and am told that they are still investigating. What is there to investigate? The check was never cashed! If I had written a check, mailed it, and then called the bank to have the check stopped, they would charge me a fee but would stop the check. Why can't they stop their own check??? I am now out {$16000.00} and have no idea when this " investigation '' will be completed, as I keep getting a different answer each time I call. There are no longer bank officers at branch banks at Capital One, so I have no one at my bank to advocated for me. This is outrageous and I will never again use Capital One Bill Pay.
Consumer complaint received 2023-12-02
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: CARRINGTON MORTGAGE SERVICES, LLC (SC)

I was in an active bankruptcy from XXXX of XXXX to XX/XX/XXXX. During the time I was also under a Covid-19 forbearance. I was also applying for a loan modification. I paid off my Bankruptcy early. I also received the funds to pay all of the back mortgage and did not need a loan modification. Carrington Mortgage has since started reporting to the credit bureaus multiple times that I was late in XXXX of XXXX. I have had to dispute the report three times. Every time It was fixed It was reported again the next month. Carrington has told me the credit bureaus are reporting inaccurate information against their will. They said they have no payment history for me during that time and are not reporting me late. XXXX has told me they can only report what Carrington gives them. I asked Carrington for a letter stating I was not late and they said no one can write me a letter. I told them its against the law to report me late while I was in an active bankruptcy and they said because I was in a Covid-19 forbearance and not a natural disaster forbearance they can report me being late.
Consumer complaint received 2024-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

1. ) When I tried to recertify my IDR while unemployed last year, they canceled my application and lowered my payment to {$2.00} instead of the {$0.00} I paid in previous periods of unemployment. Later when I called, I found out they had canceled my IDR certification claiming it was a duplicate and that's why I owed {$2.00}. 
2. ) I was in school at college from XX/XX/XXXX to present. At first my loans were on in school deferment, but in XX/XX/XXXX Mohela took them off deferment claiming my school needed to certify half time enrollment. They also showed me as suddenly owing interest on the subsidized loans that had been in deferment, and they sent me a message in their portal saying my in school deferment from the school had been denied. I called and messaged Mohela multiple times since XX/XX/XXXX, and my school submitted the requested form from studentaid.gov. Mohela sent me another message saying my in school deferment had been denied and failed to answer my previous complaint messages asking about this. 
3. ) I also had asked them to correct missing payment counts for PSLF on my 2 consolidated loans. That was not done and I have not received a response after multiple messages I sent. 
4. ) in XX/XX/XXXX, I paid back the 2 loans disbursed XX/XX/XXXX. Mohela emailed 2 letters that they were paid in full and removed the loans from my account. In XX/XX/XXXX, they put the loans back on my account and added interest to to the unsubsized loan. 
5. ) In XX/XX/XXXX, my school disbursed 2 new loans to me to be serviced through mohela. Neither loan is reflected in my account on Mohela, but the 2 previous higher loans that I had already paid in full were added back on Mohela 's site instead.
Consumer complaint received 2024-07-02
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. (FL)

The unverified account indicated below continues reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away XXXX XXXX
Consumer complaint received 2023-12-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (VA)

XXXX XXXX, Vice President at Chase Bank XXXX address XXXX XXXX XXXX XXXX, XXXX VA, XXXX. Submitted an applicaton with out my signature and with out my permission. There has been an inquiry placed on my credit report as of XXXX XXXX ( est time ). This is unauthorized access as I did not gain anything nor did I give permission for these actions. As a result this is fraud and an invasion of privacy. This moment has caused me major stress, XXXX, and depression. I can not believe Chase is allowing their employees to operate in such manner. I was never made aware that any application would be submitted and I never verbally agreed and never signed any documents for submisson of this Chase business Credit card application that XXXX XXXX wrongfully submitted. As a result many laws have been broken, which I stated. I will take these actions further legally! JP Morgan and Chase co Bank, need to make this matter right, ASAP! SEND ME A CARD WITH THE BALANCE OF XXXX. XXXX ALSO GOING TO FILE FOR LEGAL SUIT, IM NOT AGAINST SETTLING THIS MATTER. IF YOU CAN PROVIDE ME WITH MY REQUEST ABOVE IN PREVIOUS SENTENCE! 
ALTHOUGH, this is not a scare or a threat. YOUR EMPLOYEE SUBMITTED AN APPLICATION THAT DOES NOT BEAR MY SIGNATURE, Nor did I give verbal consent!!! 

I have uploaded all proof of identity, so please do not ask me to verify myself either.
Consumer complaint received 2024-07-02
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)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries. 

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 2024-03-02
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: U.S. BANCORP (IL)

U.S. BANK has placed a charge-off on an old closed personal account that had a {$1000.00} line of overdraft protection on it, I closed the account and opened a business account the teller of the account never told me there was an overdraft of {$260.00} left on that old account that had to be paid. when I found out about the aledge debt I called U.S. BANK to dispute it also I disputed it with the three Credit Agencies but it came back as verified. I'm asking the CFPB to help me resolve this error on my credit report it is very damaging to my financial progress. According to the laws, a Financial Institution is not to share private information with a third party so I'm requesting to Opt-Out of this reporting on my Credit Report Per the FCRA as a Federally Protected Consumer I am now opting out of any and all Authorization I the Consumer may have given you Written Unwritten Verbal and Nonverbal Per 15 USC 6802 , also according to 15 U.S.C. should not be any damages on my Credit Report it is a defamation of my Character.
Consumer complaint received 2024-07-02
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. (TX)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX