davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-13
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: Convergent Resources, Inc. (AL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for Purpose
Consumer complaint received 2024-05-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (GA)

I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Its been months since i found out that my family member by the name of XXXX stole my information and used it to get credit cards, i was only notified when i started receiving phone calls about delinquent accounts. I need help in removing these fraud accounts from my credit report. I have disputed with the bureaus but they have done nothing.
Consumer complaint received 2023-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

I have attempted to cash or deposit some payroll checks from my employer. Some of the checks were older " stale '' checks. Some were ~ 6 months old ; others were older. I have run into this problem a few times with Bank of America! The payroll checks are drawn from " their '' bank, which my employer utilizes for payroll payments. I ran into this problem yet again today, at XXXX XXXX, XXXX B of A branch. As an aside, the teller may be the same one that was a problem w/ me on an earlier visit, though not fully certain presently. 
Also, there is NO expiration date or Void if cashed by __/__/____ on the payroll checks. I was forced to return the payroll checks to my employer and requested ere-issuance or else do Direct Deposit payments. 

Also, another payroll check had a " hold '' put upon it. I am unsure if that " hold '' was taken off and removed or not. I am looking into this again. 

I am < pleased and < satisfied with some branches of B of A. Some branches seem OK.
Consumer complaint received 2023-04-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

From XXXX to XXXX I held a mortgage with Wells Fargo for a property in XXXX XXXX, New Jersey at an interest rate of 6.75 % I tried to refinance multiple times to a lower rate. Mortgage rates were substantially lower and I never missed a payment despite several adverse circumstances during this time period. Wells Fargo led me to believe that my application was in underwriting. 

However after waiting & waiting for a modification they ALWAYS came back requesting more information. I went through the process at least 5 times. I have everything documented. 

They claimed that the modification application expired 90 days after the original date of application and I would need to start over from the beginning each time. New bank statements, new tax forms, new everything. 

I wrote a letter to the New Jersey Department of Banking and Insurance Consumer Inquiry and Resource Sponsor, XXXX XXXX to report this ordeal XX/XX/XXXX but did not get any response or assistance. The loan number is XXXX. They also erroneously charged me for insurance ignoring the coverage that I already had. 

Please help. It was complete fraud what happened to me. The difference in interest rates caused me substantial financial damage that could have been avoided with a little help from Wells Fargo by reducing my interest rate to a fair, market rates which were no more than 3 % at that time.
Consumer complaint received 2024-06-12
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. (TX)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to express my extreme frustration and disappointment with your handling of my previous disputes regarding a fraudulent account on my credit report. Despite my repeated efforts to have this issue resolved, the fraudulent account continues to persist, and I am left to bear the consequences of your inaction. 
XXXX XXXX XXXX XXXX  FRAUD, PLEASE DELETE!!! 
I demand immediate action to rectify this ongoing issue. You have had ample time to investigate and remove the fraudulent account, yet it persists on my credit report, damaging my creditworthiness and causing me undue financial harm. This continued negligence on your part is not only a violation of the Fair Credit Reporting Act but also a blatant disregard for the rights and well-being of consumers.
Consumer complaint received 2023-08-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I am having some issue with my credit and have noticed a few accounts that are not being reported correctly and based on the information I read online and on the CFPB website, I disputed these items with the credit reporting agencies. Experian keeps sending me emails saying they don't believe the disputes are from me after responding to them that it is me and giving them proof that it's me including personal information and documentation to support it. I'm trying to resolve these issues on my credit report and every time they reply with the same email! I don't even know how they got my email address in the first place, I never sent them my email, I sent them a dispute letter in the mail with the accounts in question. I'm curious if this is some kind of scam that Experian is doing to avoid correcting misinformation on credit reports? I was under the impression that the credit reporting agencies had to comply with laws that protect consumer rights. I read that the Fair Credit Reporting Act says they have to investigate and respond within 30 days directly from the CFPB website however, it seems they refuse to investigate and never respond within that 30 days. I also read that if they do not correct the misinformation or respond within 30 days they have to delete that misinformation, yet they never do. I am filing this complaint to let the CFPB know that Experian or someone acting as Experian is sending emails refusing to comply with these Federal Laws that are supposed to allow consumers to correct their credit reports. I'm asking the CFPB to please investigate on why Experian is sending these emails or if this is some sort of a scam that is preventing my information to be corrected.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.
Consumer complaint received 2023-09-21
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. (NY)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-21
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. (OH)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance Owed : {$120.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$510.00}.
Consumer complaint received 2024-05-01
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. (TX)

I am writing to urgently dispute the validity of the collection accounts listed on my credit report under the account numbers XXXX and XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ), I am formally requesting that all communication regarding these debts cease immediately. 

On XX/XX/year>, I sent a written notice to XXXX XXXX XXXX XXXX informing them that I refuse to pay the alleged debts and requested that they cease all further communication with me regarding these matters. Enclosed with this letter is a copy of the letters I sent for your reference. 
According to 15 USC 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or wish to cease further communication, the debt collector is legally required to cease all communication regarding the debts. Failure to comply with this request can result in legal action. 
Therefore, I demand that you promptly investigate these matters and take the necessary steps to remove the collection accounts from my credit report. Additionally, I request that you confirm in writing that all communication regarding these debts has ceased.
Consumer complaint received 2024-04-29
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: EQUIFAX, INC. (MI)

on XX/XX/2024 | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of thewrongperson.|
Consumer complaint received 2023-12-03
Product: Mortgage — Conventional home 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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

BOA maliciously denied my online access to my mortgage account messages, statements and all other documents for my mortgage loan number XXXX with no explanation, all that occurred by design as BOA always on weekends, to intentionally induce XXXX and fear for no reason other then to intimidate customers. 
I have been denied modification and I am in the process of getting my XXXX XXXX XXXXXXXX XXXX approved to pay the balance due, XXXX XXXX XXXXXXXX program analyst called and spoke with BOA to let them know about the pending approval application. 
my Mortgage loan number is XXXX.
Consumer complaint received 2024-06-12
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 XXXX XXXX XXXX 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.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

HI, XXXX XXXX or Equifax Is reporting an inaccurate balance on my Equifax report which resulting in me losing XXXX points!!! UNBELIEVABLE!!! When On XX/XX/2023 I made a payment of {$240.00} & a payment on XX/XX/2023 of {$20.00} more dollars & XXXX reported on the XXXX of XX/XX/2023, my balance went down from {$400.00} to {$200.00}. & my scores went up on XXXX XXXX XXXX Equifax & I'm still waiting for XXXX to update the new balance. How Ever, today XXXX It shows a report of {$400.00} balance back on my self account on Equifax report!!! WHEN I HAVE PROOF I ALREADY PAID THIS ACCOUNT DOWN NOW 27 % UTILIZATION! & BALANCE IS {$200.00} NOW!! Why would Equifax report inaccurately or XXXX XXXX? Because Equifax says it's getting reporting from XXXX XXXX but they only report on the XXXX of the month & they already reported the balance down to {$200.00}!! not {$400.00}!! This is a huge inconvenience & messing up my future plans for buying a home, a new car ( I was in a car accident & my car was totaled, not my fault & its been enough!!! ) I DONT NEED THIS!! & now either EQUIFAX OR XXXX XXXX IS MESSING WITH MY LIVE & FUTURE! It's already been a pain that XXXX says XXXX XXXX didn't update & report the new balance of {$200.00} but Equifax XXXX XXXX XXXX did report the correct balance in the beginning of XXXX. So I do NOT understand why is there a new report saying the balance is back at {$400.00}? My payments were took out of my bank accounts & everything was fine. I BEEN WORKING SO HARD TO GET MY CREDIT CARD BALANCES DOWN, JUST TO BE DISHONORED! I NEED THIS PROBLEM FIXED ASAP & MY XXXX POINTS BACK PLEASE! THIS IS GETTING DEPRESSING, THESE COMPANIES DO NOT CARE ABOUT MY LIFE!! THEY ARE VIOLATING MY RIGHTS & BREAKING THE LAW, REPORTING INACCURATE INFORMATION IS ILLEGAL!
Consumer complaint received 2024-05-02
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. ()

It has been drawn out into the open that you are not hindering records when I sent a copy of the XXXX report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-02
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: EQUIFAX, INC. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 USC 1681.

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 2023-08-04
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: Experian Information Solutions Inc. (PA)

Earlier this year, XXXX XXXX accepted and deposited my XXXX mortgage payment on XX/XX/2023 ( XX/XX/23 ). They then reported that payment ( which was already withdrawn from my account by them ) as late because the escrow amount had gone up by {$67.00} between my XXXX statement and my XXXX statement. 

When I discovered the discrepancy, I immediately paid the remaining {$67.00}. That was on XX/XX/XXXX, only 28 days after my XXXX mortgage payment was due. 

XXXX XXXX has marked my payment history with a " 30 days overdue '' remark, which is incorrect, because XXXX only has 28 days. However, they insist on reporting my payment as late because they follow a policy of payments being late because of the month, not the actual number of days ( XX/XX/2023/XX/XX/2023 ). 

My payment was not 30 days overdue and my credit report has an error on it due to how XXXX XXXX chooses to report. 

I can provide documents from my bank and from XXXX XXXX which show my timely payments. The property in question is : XXXX XXXX XXXX, XXXX, PA XXXX. 

I would like the late payment notification on my credit report to be removed immediately, as this is a dishonest and inaccurate portrayal of my payment history with XXXX XXXX and is adversely affecting my credit score. 

Please call me or email ( information below ) if you need any additional information to update and correct my credit history. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-08-04
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. (FL)

I REVIEWED MY CREDIT REPORT AND THIS COMPANY XXXX XXXX IS REPORTING AN ACCOUNT OF DEBT THAT I OWE IN WHICH I DO NOT RECOGNIZE. THIS COMPANY IS NOT LEGALLY LICENSED IN THE STATE OF FLORIDA TO COLLECT DEBT AS WELL. I TRIED TO VERIFY THIS BUSINESS THROUGH XXXX AND THE COMPANY DOES NOT HAVE ANY LICENSES IN PLACE FOR MY STATE. 

THIS IS THE REPORTED ACCOUNT INFORMATION.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
ACCOUNT # XXXX
BALANCE XXXX