davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-07
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (LA)

My wife filed bankruptcy in 2012. The lawyer advised us that this would not effect me because I didn't file. The mortgage with Wells Fargo was in both our names. Because she filed bankruptcy they stopped reporting my payments and balance for the mortgage on my credit reports. I call every year asking them to start reporting on my reports. They want me to reaffirm the loan, but I was never released from the debt. I still continue to make my monthly payments. In XXXX someone from the company added to my report as a one time courtesy. It's unfair that I am responsible for this loan and can not get credit for it on my reports.
Consumer complaint received 2024-05-16
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)

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-16
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXXrd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-16
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. (GA)

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

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX 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 2023-09-12
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. (CA)

I recently conducted an in-depth examination of my credit report, an experience that has had a profound impact on my mental well-being. During this review, I unearthed several discrepancies that are unverifiable, invalidated, inaccurate, and of questionable nature. It is concerning that these issues persist, and I believe that your agency has a responsibility to ensure the utmost accuracy in credit reporting, as mandated by the Fair Credit Reporting Act. 

In light of this situation, I wish to draw your attention to the relevant legal provisions, namely 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which emphasize the requirement for credit reporting agencies to maintain the highest level of accuracy in their reporting. These accounts, as identified in my credit report, appear to be in clear violation of this mandate by not reporting information that is 100 % accurate. 

I must emphasize that the discrepancies in my credit report have had a detrimental impact on my financial standing and overall well-being. It is crucial that these issues are promptly addressed and rectified to restore the integrity and accuracy of my credit report. 

I kindly request that you conduct a thorough investigation into the aforementioned discrepancies and take appropriate action to ensure that my credit report is updated to reflect accurate and verified information in accordance with the law. 

Thank you for your attention to this matter, and I trust that your agency will take the necessary steps to address these issues promptly.
Consumer complaint received 2024-07-31
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (MN)

I previously had credit card accounts with American Express, all of which were in good standing but were closed by AmEx in or around XXXX or XXXX. AmEx stated the reason the accounts were closed was due to an " abusive '' telephone interaction with their customer service professional in or around XXXX or XXXX. I had an authorized user on my personal AmEx Delta Skymiles Gold card, XXXX XXXX XXXX, who was my legally married husband, who is now deceased, having passed away on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX and other causes. I share this information about XXXX XXXX death because he was the one on the " abusive '' telephone call -- not me -- that resulted in AmEx cancelling my cards. As a result of his mental illnesses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my AmEx credit card accounts were closed and canceled, he was responsible for the regrettable behavior toward the customer service professional at AmEx -- not me -- and I sincerely apologize to AmEx that this occurred ; all customer service professionals deserve to be treated with the same respect and professionalism they exhibit to us. Regardless of XXXX XXXX personal situation, the manner in which he spoke to the customer service professional was unacceptable, and unfortunately, I am not him, nor is he alive to speak for himself, so I can only assure AmEx that I am not the one who was responsible for that abusive phone call -- and I can also confidently assure AmEx that it will never occur again. I also request that AmEx understand that every customer 's -- and potential customer 's -- situation is unique, and that analyzing the situation from such a stance is beneficial to all involved. I have attached XXXX XXXX death certificate that substantiates my statements in this complaint. I am respectfully requesting that AmEx review and reconsider its decision to prohibit me -- XXXX XXXX XXXX -- from opening new AmEx credit card accounts, presuming I meet all other account-opening criteria. As I have said here in this complaint, as I have demonstrated by providing XXXX XXXX death certificate, and through my sincere apology to AmEx for the situation that occurred between XXXX -- not me -- and one of their customer service professionals, along with my assurance that such an encounter will never occur again in the future. I respectfully ask that AmEx remove my name and other data from their " banned '' list and allow me to open new credit card accounts with them, again presuming I qualify from a creditworthiness perspective.
Consumer complaint received 2024-06-26
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NY)

I was about to make a purchase with XXXX XXXX. I was offered an option for Home Depot Credit card with an answer within seconds and no hit to my XXXX XXXX, when I was provided options to pay. I agreed and answered a few questions believing no hit to my credit. Moments later I was approved and just needed to fill in some information. I answered the requested information to be informed they would let me know their decision. Wait! I was approved. I got notified that I had a new inquiry on my credit report. Lord and behold its XXXX XXXX. They then send me a letter stating I was denied because they couldnt verify my income. I called because it was never supposed to hit my credit score and I was already approved. The last wasnt helpful and stated this happens often. I feel something needs to be said. This is a scam
Consumer complaint received 2024-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC (CA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (TX)

It is worth noting that my relationship with NewRez arose solely at its discretion. First, I emailed my insurance information to NewRez. Second, NewRez requested the same insurance information via US Mail. Third, I sent NewRez my insurance information in response to the same. Moreover, mortgage information was listed thereon. Fourth, NewRez again requested the same insurance information via US Mail. Fifth, I again sent NewRez my insurance information in response to the same and received email confirmation thereof. 
Sixth, NewRez indicated via US Mail that it would begin charging duplicative insurance again requested the same insurance information via US Mail. Seventh, I again sent NewRez my insurance information in response to the same and received email confirmation thereof.

Eighth, I called NewRez and after multiple attempts I was able to tell the representative that I had already provided proof of insurance. The representative stated initially that I had not done so but that NewRez had insurance information for another person on said property covering the relevant timeframe. NewRez considered said insurance to be defective and could not be bothered to notify me of same. As a mortgage servicer, NewRez is required to adhere to a minimal level of professionalism and should notify its customer if there is an alleged problem with documentation. Moreover, NewRez is charged with the knowledge that hazard insurance requires an insurable interest. One can not purchase insurance on a property which she does not own.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm one of the Sweet vs. Cordona plaintiffs that won the lawsuit for 100 % forgiveness via Borrowers Defense. XXXX had up to XX/XX/year> to remove my student loan from my file, but they didn't per judge 's order. They are still incorrectly reporting and has caused ensuing damages to me because of my debt to income ratio has caused me to be denied credit.
Consumer complaint received 2024-07-31
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. (GA)

I contacted the credit bureaus and the student loan servicer, and they responded, stating that the information reported was correct within XXXX hours. I was not notified where they checked or if they have copies of the original documents that were signed because the information that is being reported is not correct. I request the removal of the information until it is reported correctly because it has hurt my credit rating. After all, the closed account appeared open the same month it was paid in full. I graduated in XX/XX/XXXX and would not have had a loan after graduation. 
Incorrectly reported balance {$4500.00} current and starting balance incorrect potential duplicate XXXXDEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance {$7500.00} current and starting balance incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance {$5500.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance {$6000.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported current and starting balance {$2200.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened XXXX XX/XX/XXXX Incorrectly reported balance current and starting balance {$9500.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance {$3400.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance {$17000.00} XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance {$3200.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX The open date for this loan is incorrect. XXXXDEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX : {$0.00} owed on the loan is correct. 
The open date for this loan is incorrect. XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX : {$0.00} owed on the loan is correct.
Consumer complaint received 2023-09-12
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. 

Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2024-06-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TX)

Could you clarify the debt collection notice I received from XXXX XXXX XXXX, dated XX/XX/XXXX? The notice refers to a debt originally owned by XXXX XXXX  XXXX and now claimed by Jefferson Capital Systems , LLC, as the creditor of the account. The debt in question is related to a XXXX XXXX account. I am particularly concerned because the notice includes references to various corporations. I would like all relevant documentation supporting Jefferson Capital System XXXX 's authority to collect this debt as soon as you can. 
Theres another issue that concerns me. I recall asking for documentation of this same authority before, on or about XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, during which I received a response from Jefferson Capital Systems , LLC, acknowledgment of my request, and confirmation that this account was closed, further acknowledging that they were terminating collection action, dated for XXXX of XXXX.
Consumer complaint received 2024-06-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FC HoldCo LLC (MD)

I am filing a formal complaint against Flagship Credit Acceptance regarding their mishandling of the payoff and lien release for my late cousin 's vehicle. As the executor of her estate, I have been dealing with this issue for over two months, with no satisfactory resolution in sight. 
Here are the details of my complaint : XXXX. Initial Payment and Confirmation : On XX/XX/XXXX, I contactedFlagship Credit Acceptance and spoke with a representative named XXXX. I was given a payoff amount of {$7000.00}, which I promptly paid. The confirmation number for this transaction is XXXX. XXXX assured me that this payment would settle the account, and I would receive the lien release shortly there after. Based on this information, we sold the car to a family friend. 
2.Failure to Provide Lien Release : Despite the payment, I have not received the lien release. I have made multiple follow-up calls on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, XXXX. Each time, I was told that I needed to speak with a supervisor, and each time I was given incorrect call-back times, resulting in further delays and frustration. 

XXXX. Additional Payment Demand : Recently, I was informed that XXXX had quoted the wrong payoff amount and that an additional {$240.00} is due. Although I believe we should not be responsible for this discrepancy, I attempted to pay this amount to expedite the lien release. However, I was then told that a payoff letter would need to be emailed to me, which would take at least three business days. 

4. Ongoing Issues and Impact : This delay is causing significant issues, as the new owners can not obtain tags for the vehicle, and the car will soon require another inspection, incurring additional costs. The lack of responsiveness and the contradictory information provided by Flagship Credit Acceptance has been extremely stressful and inconvenient. 

Desired Resolution : I am seeking immediate action to resolve this matter. Specifically, I request that Flagship Credit Acceptance Provide the lien release immediately. 
Address the miscommunication and mishandling of my account. 
Ensure that no further payments are required beyond what was initially quoted and confirmed. 
If this issue is not resolved promptly, I will have no choice but to pursue legal action to protect my rights and the interests of the estate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Public Record Type : Bankruptcy chapter XXXX-discharged Date Filed : XX/XX/2011 Amount : {$0.00} Case Number : XXXX I am disturbed that bureaus continue to list the dismissed bankruptcy as confirmed. 
The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report.
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I deposited a check to my business Checking acct from a reliable supplier, most of the funds have been witheld. Unlike all previous checks I deposited from the same supplier in the past, now Chase claims it will take 10 days to clear. Since they returned one of my other suppliers checks. Apparently, now that Chase lost a suit, they are starting to withhold funds to the full extend allowed, this is new and has caused us harm to our credibility. XXXX 's office should look into this slow walking deposits, it may be allowed but unnecessarily only using the funds for a few days to their own interest while keeping customers funds longer than needed. Checks from known customers do not require 10 days to deposit into our accounts. This is a new pain for small businesses. I called chase but they told me they are entitled to 10 days. I been a customer for 14 years, they never withheld funds for 10 days before. Sick how all these corporation just keep taking and manipulating rules in their favors please investigate and let me know if this is a new trend. Thank you