davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HUNTINGTON NATIONAL BANK, THE (IL)

Huntington Bank reported my balance to the credit bureaus as {$220.00} on XX/XX/XXXX, right in the middle of my billing cycle. They were NOT supposed to report that balance at that time. My Statement Opening Date was XX/XX/XXXX and the Statement Closing Date was XX/XX/XXXX. They should have reported my balance after the Statement Closing Date which would have given me a {$0.00} balance, not the {$220.00} balance that they reported. I had plenty of time to pay down my balance before the Statement Closing Date which I did. And it is normal to report AFTER the Statement Closing Date, not right in the middle of my payment cycle. The only reason they reported that balance on XX/XX/XXXX was because I requested a stop payment to XXXX because my records showed them charging me twice for something I ordered. They said they would do that for me and they did. But their normal procedure when it comes to an issue like that is that they totally stop and shut down the credit card and reissue another one. So because of that they went and reported the closed and reissued card along with the balance on that date which was XX/XX/XXXX. I filed a dispute with Huntington Bank and they told me that their records confirmed that their information for my account was accurate. I understand that they had to report the new card, but the balance they reported was right in the middle of my billing cycle. That was wrong. It brought down my credit score XXXX points. Please have them make the correction of the {$0.00} balance that I had at the end of my Statement Closing Date so that all the credit bureaus can restore the XXXX points that was wrongfully taken from me because of their mistake. Thank you.
Consumer complaint received 2024-01-05
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. (NY)

Ongoing FCRA Violations and Credit Reporting Discrepancies on my credit reports with Experian, XXXX, and XXXX, specifically related to the charge-off account with the account number XXXX, originally held with XXXX XXXX XXXX . 

Despite multiple disputes and XXXX XXXXXXXX XXXX confirmation that the account is not currently reporting, it persists on my credit reports. XXXX XXXXXXXX XXXX response on XX/XX/XXXX, clearly stated that " the credit bureaus are not displaying this account on your credit report. '' However, subsequent disputes with the three major credit reporting agencies ( CRA ) have yielded inaccurate verifications. 

This situation is further exacerbated by the Experian representative 's statement on XX/XX/XXXX, asserting that XXXX XXXX needs to confirm that the account is no longer reporting to them not me. I find this perplexing, given that I have provided Experian with my dispute letter to XXXX XXXX and the corresponding response, yet the account still reports as verified. 

Furthermore, the discrepancy in reporting among Experian, XXXX, and XXXX raises serious concerns about the accuracy and consistency of the information they rely on. If XXXX XXXX asserts that the account is not reporting, why do all three CRAs independently verify its presence? 

I want to bring to your attention three critical issues that require immediate resolution : 1. **Expiration of Reporting Period** : The XXXX XXXX charge-off account has exceeded the permissible seven-year reporting period under the FCRA. It should have been removed from my credit reports upon reaching this time limit. 

2. **Verification of Reporting** : Pursuant to the FCRA, I request verification of the accuracy of this charge-off account. Please provide the necessary documentation to substantiate its legitimacy. 

3. **Sold to XXXX XXXX** : This account was sold to XXXX XXXX , making it a violation of the FCRA to continue reporting it under XXXX XXXX XXXX name.
Consumer complaint received 2024-06-02
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: DISCOVER BANK (FL)

Around XX/XX/2023 i was attending XXXX, which i missed placed my wallet i then found it but never checked inside to make sure that everything was in side injust proceeded with the day. Once i went home for XXXXXXXX XXXX  my mom asked did i have my credit cards with me I then said yes because I most certainly thought I did, so i panicked and didnt know what to do once i looked in my wallet and didnt see them. My phone then ended up breaking with all of my information inside of so i was unable to verify a lot lf things pertaining my credit cards. I tried calling but they told me i would have to pay the debt but i didnt do any of the charges on any cards so i stuck on what to do. They then ended up closing my accounts for this reason my limits for one card was {$1000.00} and for the other was {$300.00}.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Under 15 usc 1681i ( 7 ) EXPERIAN should have provided me with the results of their investigation. Instead they claim accounts were verified without providing me with a description of their investigation. This is a direct violation of my consumer rights.
Consumer complaint received 2015-10-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Dear CFPB, On XXXX XXXX, 2015 I was informed by Nationstar mortgage that I had been denied a loan modification due to " excessive forbearance ''. When I reviewed my loan modification documents with my dedicated loan specialist, the rental income I reported on my Request for Modification ( RMA ) was missing from the calculations for the gross monthly income without any explanation whatsoever as to why all - or some of it - was not included in the NPV calculations. If they - Nationstar - can not do simple math to compute my gross monthly earnings, is it any wonder that I am being seen as having " excessive forbearance '' ..? 
This gross incompetence follows several months of very poor service from Nationstar regarding my application for a loan modification. Service deficiencies have included - among other problems - lost documents, repeated requests for documents or information which was already in the file, and failure to return phone calls in a timely fashion. 
As of the date of this letter, I have not received any correspondence from Nationstar to back up this assertion of " excessive forbearance '', including the NPV. I am appealing this bad decision - please see attached correspondence - and would appreciate any help you can give me to get me the help I may be entitled to.
Consumer complaint received 2024-01-05
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. (MO)

In XXXX of 2016 My wallet was lost that included my drivers license, social security card, and other forms of identification outside of my house and since then there have been sev-eral fraudulent account opened in my name student loans, utility bills, car loans, credit cards, home leases, student loans and I dont know what elese. I have filed a police report as well. I would like for all these items to be deleted from my credit profile. 
ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Consumer complaint received 2023-04-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

After numerous attempts of disputing with the credit reporting agencies these accounts are still reporting inaccurately on my credit report. Under the FCRA law the Credit reporting agencies are supposed to 100 % report accurate information on my credit report. 
These accounts are not reporting 100 % accurately and after disputing the credit bureaus has stated they have investigated and are 100 % reporting accurately. 
XXXX XXXX XXXX XXXX XXXX  incorrectly reported as a charged-off account with a balance due XXXX XXXX XXXX XXXX XXXX incorrectly reported as a charged-off account with a balance due XXXX XXXX XXXX XXXX XXXX  incorrectly reported as a charged-off account with a balance due XXXX XXXX XXXX XXXX  incorrectly reported as a charged-off account with a balance due XXXX XXXX XXXX XXXX  this collection account is reporting as an open account when it is supposed to be a closed/ collection account. 
Date of last activity is reporting inconsistent on all accounts, its highlighted on the credit report. 

These accounts reporting inaccurately are a violation of my FCRA rights and it is not allowing me to have a 100 % accurate credit report.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

Upon checking on my credit report, I spotted some inaccurate and fraudulent inquiries that need reporting and correction through your company. 

Please see the attached PDF file on this complaint. I sent my dispute letters to the Bureaus and still not getting any results
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIRST HORIZON BANK (NY)

I am a victim of identity theft. When I discovered the identity theft I checked my credit reports and found several items that were not authorized by me. I attempted to reach XXXX via phone but was unsuccessful so I am filing this complaint in hopes that my dispute will be heard. The following inquiries are showing on my XXXX  report but they were not authorized by me and are a result of the identity theft I am suffering. XXXX XXXX XXXX XXXX XXXX FIRST HORIZION BANK XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KS)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me.

Account name : XXXX Date of inquiry : XX/XX/year> Account name : XXXX XXXX  Date of inquiry : XX/XX/year> Account name : XXXX  Date of inquiry : XX/XX/year> Account name : XXXX XXXX XXXX of inquiry : XX/XX/year> Account name : XXXX XXXX Date of inquiry : XX/XX/year> Account name : XXXX XXXX  Date of inquiry : XX/XX/year> Account name : XXXX XXXX Date of inquiry : XX/XX/year> Account name : XXXX XXXX Date of inquiry : XX/XX/year>
Consumer complaint received 2024-01-05
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. (NJ)

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 Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX  Account Number:XXXXXXXX Account Name : XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXXXXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a 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 2024-01-05
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. (NY)

On XXXX, and XXXX XXXX account stating my business called XXXX XXXX XXXX XXXX owes monies is fraud!!! 
XXXX was the account, also XXXX sends a XXXX of the account {$0.00} balance as of XX/XX/2024
Consumer complaint received 2023-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (IN)

So I use cash app to send and receive XXXX. I had a problem with a transaction they wont tell me why but long story short they said they had to return the funds, okay no big deal but now its been a week and they money hasnt shown if you look it up on the block chain it just says it will in one day but has said that for a week. Cash app wont respond to my chats or emails, and just wont help me get my money back at all when the fault is on their end
Consumer complaint received 2024-01-05
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. (NJ)

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they 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 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.
Consumer complaint received 2024-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

Application for Income Driven Repayment plan ( SAVE plan ) submitted by this writer on XX/XX/XXXX via studentaid.gov. Repayment plan was calculated at $ XXXX. I currently have loans held with two separate federal student loan servicers. One being XXXX and the other servicer being MOHELA. XXXX was processed and accepted immediately however the MOHELA status for my XXXX form still shows as processing now with a payment of $ XXXX. Placed call to MOHELA on XX/XX/XXXX for a status update and why forms are still showing as processing. Advised the call center representative that the IDR form had been submitted months prior and was then transferred to a supervisor for additional assistance. Loan was then placed in administrative forbearance while stating that IDR forms would be processed within 15 business days. Additional correspondence was then received on XX/XX/XXXX stating that a recent request was received and it is expected your pending request will be processed within the next 90 business days.
Consumer complaint received 2024-06-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (VA)

I XXXX received a text message stating that a password change request was initiated for my Coinbase account. Please respond " N '' if you did not make this request. I replied " N '' and was shocked as I did not request it. Also it stated that Coinbase representative will be calling you shortly. I received the call from XXXX XXXX. When you call at this phone number : message goes to Conbase Security as per the voicemail message. The representative asked me to transfer my assets from Coinbase app to Coinbase XXXX  app, as my account was compromised.

He shared all the instructions, but the transaction could not be processed. I got a message in the Coinbase app that the transaction will be processed by XX/XX/year> at XXXX XXXX 
On XX/XX/year> at XXXX XXXX, amount was transferred to my Coinbase XXXX account. 
There was another transaction at the same time XX/XX/year> at XXXX XXXX, when the funds were transferred to a different account. I never made or authorize the second transaction. 

I was not able to see my assets, so I called Coinbase the next day, and they told me that I have lost {$3000.00} cents. And they are not able to recover it. I never received any confirmation message for the second transaction. 
Please assist me in reversing and getting refund for my hard earned money. It is a nightmare and I want justice. Please contact me at XXXX to discuss it further. 

Thanks
Consumer complaint received 2023-06-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mid-Minnesota Management Services, Inc. (WI)

I've been getting numerous phone calls from many different phone numbers. They all call saying they are from a company called Central Resources. Every time they call they won't tell me what it's about and they ask me to reveal sensitive information like they are trying to steal my identity. On XX/XX/23 they called me and said they are going to forward my information to a lawyer and sue me if I don't answer their questions. Calls began around 4 months ago. I wasn't even aware that I owed a debt to someone, let alone for medical bills.
Consumer complaint received 2024-05-31
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: CREDIT ACCEPTANCE CORPORATION (AL)

I'm in the process of buying a housed I realize I had damages on my credit report. According to the 15 USC 1681 law there should not any damages on my credit report it is defamation to my character. As well as I am a service member which federal law states that the service members civil relief act is a United States federal law that protects soldiers, sailors, airmen, marines, coast guardsmen, and commissioned officers in the Public Health Service and national oceanic from being sued while in active military service of their country.
Consumer complaint received 2016-10-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MA)

This morning, because of my being alerted from my Experian credit monitoring, I was notified that I had XXXX additional inquiries report on my credit file with XXXX XXXX on XXXX/XXXX/2016. I have since spoken with XXXX as of this morning regarding this and bringing it to their attention that this was in fact via a fraudulent nature. They have told me that they did not do hard pulls on my credit file, but did do a " soft '' pull on the same day. As you can plainly see, there were a total of ( XXXX ) hard pulls and XXXX soft pull to my credit file. I have disputed these with XXXX and would greatly appreciate your disputing this as Fraud in hopes to help expedite the removal of these accordingly. 

Regards, XXXX XXXX XXXX