davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I filed a complaint against Bank of America Credit Card - Visa in   XXXX    because of severe security problems with their credit card. I decided to reduce my financial foot print with Bank of America because of this issue and a problem in  XXXX , where I opened a Traditional IRA and they opened a Roth IRA by mistake, potentially causing a serious problem with my tax filing if I had not read the fine print. At that time, I emptied my saving account of most funds because of their tolerance for such a large margin of error. In   XXXX   XXXX   XXXX  , I closed my credit card and saving account and moved my direct deposit from my employer to another financial institution (   XXXX   XXXX   XXXX   XXXX   XXXX   ). At the same time, I moved the direct debit for my Bank of America Mortgage to   XXXX   XXXX   XXXX   XXXX   XXXX   to pay my mortgage from this other account. On  XX/XX/XXXX , I received a notice from Bank of America Mortgage that I am behind on paying my mortgage. However, the debits from my   XXXX   XXXX   account are clear and are attached in an account statement. However, the Bank of America statement reports that they performed an " unapplied funds reversal. '' The reversed funds states it left my bank of america mortgage account on  XX/XX/XXXX , but was not returned to my other financial institution from which it was debited, nor was it returned to the only remaining account with Bank of America, which is the remaining checking account ( which was the account the mortgage was previously debited from ). My wife now uses this account. So in essence they claimed they reversed {$920.00}, but they did not do so to my accounts and are sending me a notice that my account is past due and at risk for a late fee. I have tried to contact them twice but the prompts on the Customer service number do not progress to resolution. They confirm that payment was received. I believe this may  be institutional retaliation for the previous complaint. I have never missed a payment.
Consumer complaint received 2024-03-15
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. (CA)

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, XXXX and Experian operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

According credit reporting act this creditor has violated my rights under 15 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 section 2 it also states consumer reporting agency can not furnish account without instructions Under 15 USC 1666B may not treat a late payment on a credit card account under an open and consumer credit for any purpose.
Consumer complaint received 2023-11-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: LD Holdings Group, LLC (NJ)

Subject : Formal Complaint Regarding Inaccurate Information and Lack of Resolution Dear LoanDepot Customer Service Team, I hope this email finds you well. I am writing to express my profound frustration and disappointment with the handling of my case by LoanDepot. This marks my sixth complaint letter, and despite my best efforts to resolve the issues I have encountered, I have seen no satisfactory resolution. 
In XXXX, I believed that we were on the verge of closing this case as I perceived that it had consumed a significant amount of time and energy, only to have my suggestion for closure rejected by your team. Despite your consistent reassurances in your responses that you value conducting thorough investigations, it appears that my concerns and questions have not been adequately addressed, as evident from your latest response. 
This is another evidence how your team used inaccurate information and lack of resolution. In a response from your XXXX XXXX dated XX/XX/XXXX, several serious errors were identified : 1. My name was misspelled as " XXXX. '' XXXX. The salutation " Dear XXXX XXXX '' was used, reflecting an incorrect gender reference. 
3. An inaccurate citation was provided on the second page, stating, " on XX/XX/2022, LoanDepot conditional approved .... '' I would like to emphasize that I had no application with LoanDepot on XX/XX/XXXX. 
These three errors raise significant doubts about the thoroughness of your investigation and the level of attention dedicated to my case. Should you not consider offering an apology for such inaccuracies? 
ALSO, please response me how/what my information has provided to your external counsel? How your external counsel retain my privacy data?

I kindly request that you revisit my case and provide me with a comprehensive and accurate response, addressing these issues. I believe that rectifying these discrepancies is essential to achieving a fair resolution to my concerns.

I am hopeful that LoanDepot can rectify these issues promptly and in a satisfactory manner. I eagerly await your response and look forward to a more thorough investigation into my case.

Loan Depot should be aware that the 15-day response requirement is a basic requirement of the CFPB. However, based on the historical response times, it's clear to see whether you respect this rule or not. It's evident that in my cases, you have not adhered to this rule. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I advised the credit agencies that my personal information should be reviewed & corrected. 

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fl XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Consumer complaint received 2017-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AZ)

I have been actively monitoring my credit through  XXXX   XXXX . In the middle of  XXXX ,   XXXX  , Equifax reported information through  XXXX   XXXX , vwhich resulted in a  XXXX   XXXX  score. Many negative items were disputed by me directly with Equifax via letters. Equifax, removed many of the items due to the failure to verify the accuracy of those negative accounts. However, they also deleted my open and active credit card account, which is in good standing. These actions resulted in a NO SCORE credit file with Equifax. Consequently, I have been denied credit based on information provided by th em ( No  credit experience ). I contacted Equifax a few weeks ago when I first noticed that my credit card account was deleted. I was not able to resolve the issue with them. Since then, I have not been able to speak with anyone. Furthermore, Equifax has continued to update only negative information through  XXXX   XXXX , even inquries as recent as  XXXX   XXXX ,   XXXX   ... .but, not my open, in good standing credit card account with  XXXX   XXXX   XXXX  If I have an account in good standing, which was previously showing on  XXXX   XXXX , I should have a credit score for reporting. I have eliminated the theory that  XXXX   XXXX  is the issue, as the rep from Equifax suggessted since I had purchased a subscription from  XXXX   (  I think thats the name ) and it showed my Equifax score a (  XXXX  ). Additionally, I tried to purchase an Equifax subscription, using the card that they deleted from my file and my subscription purchase did not go through although my card was charged. I feel as if they are only reporting negative information about me and not positive accounts ... and I have no way to regularly monitor my Equifax report to for errors and accuracy. Ive attached files that show that my card was previously showing, but was deleted, along with proof of my previous score and proof that the  XXXX   XXXX  account exist, is in good standing and reported by other bureaus.
Consumer complaint received 2024-10-04
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)

This account is inaccurate it is reporting inconsistently across bureaus. Experian and XXXX are reporting inconsistent Date Last Active Experian XX/XX/XXXX, XXXX XX/XX/XXXX. This account also has inconsistent account numbers it could belong to anybody. If the information is coming from the original creditor the information should be consistent across reports. We can not say this account is accurate. Youve failed to investigate this account properly and your neglect has violated my rights. I am demanding deletion of the following account : XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2017-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

Issue : Chapter  XXXX  filed  XXXX     2010.    According to the Fair Credit Reporting Act, a  Chapter   XXXX  bankruptcy will be removed from your credit report after  seven years.      However, the Credit bureaus ( except  XXXX   ) s till report Chapter  XXXX  on my credit report. In particular the Credit bureau that On Site uses to do background check on apartment applicants : this is adversely affecting my ability to lease an apartment ; Relocating for a job.     Please assist. Thank you.
Consumer complaint received 2023-03-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Hello, we had a mortgage account with Wells Fargo from XX/XX/XXXX and unfortunately foreclosed XX/XX/XXXX. We would like see if we qualify to file a claim since our contact numbers have changed and have not received information regarding the current ongoing settlement with Wells Fargo.
Consumer complaint received 2017-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I 've submitted disputes with the  XXXX  national credit reporting agencies (   XXXX   XXXX   and TransUnion  )  concerning (  XXXX   XXXX   XXXX   XXXX   XXXX  and to no avail. Each time a dispute is submitted with the  XXXX  bureau  ( s ), I  'm notified by my own ( not the credit bureau (  s )  credit monitoring alerts, a general " Meet FCRA requirements '' note without details to the reasoning of their conclusion with the investigations.  XXXX  has made attempts to request that this item be deleted as well, please see the attached document dated  XXXX   XXXX ,  2017. T he credit bureaus are making it extremely difficult by refusing to delete and not giving me a valid reason as to why. This has hurt my credit report an d credit score trem endously by making appear more at risk to lenders.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I 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 2018-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (NJ)

I received an XXXX Chase Visa signature credit card without applying. The card was accompanied by a brochure outlining XXXX XXXX as well as a guide to benefits privacy notice agreement rates and fees schedule along with a credit line amount. I contacted Chase Bank and filed a fraudulent action against XXXX. I also contacted XXXX and was told an application was not on filed in my name for this particular card. When I researched this online other individuals have experienced the same problem with this company and have also received the same card without applying this seems to be a common practice with XXXX.
Consumer complaint received 2017-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon reviewing my credit it looks as if I have ALOT of credit injuries that DO NOT belong to me. I even have some that show up on multiple dates. I 'm unaware of these injuries. I contact TransUnion the week of  XXXX   XXXX ,   XXXX   and spoke with a  US  representative from which I did n't get anything but a hard time and someone who belittled me. On  XXXX   XXXX ,   XXXX  , I sent a Multiple Inquiry Removal Letter via certified mail from the United States Postal Service to TransUnion, which was delivered at  XXXX    XXXX   on  XXXX   XXXX ,   XXXX   in  XXXX , PA  XXXX  asking them to investigate. On  XXXX   XXXX ,   XXXX  , TransUnion sent me a letter back stating " that the injuries are accurate and that I needed to contact the creditors. '' I contact the creditors and was told to put in a dispute with the credit bureaus. also sent a Multiple Inquiry Removal Letter via certified mail from the United States Postal Service to  XXXX  which was been delivered and is available at a  XXXX   XXXX   XXXX   XXXX   XXXX  on  XXXX   XXXX ,   XXXX   in  XXXX , TX  XXXX  and   XXXX   which was was delivered at  XXXX   XXXX  on  XXXX   XXXX ,   XXXX   in  XXXX , GA  XXXX . According to the FCRA Rules, FCR A 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disrupted and MUST BE INVESTIGATED and if you do not investigat e and respond, the CRA must delete and disputed information from its files. The fact that received a response 3 days after the receipt of my certified letter shows that there was n't any investigation into the mater. I plan to purchase a home and with inaccurate information reporting on my credit will make it seem like I 'm in a financial struggle which is n't the case. I 'm submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me. This is unfair practices by a credit reporting agency and that is n't fair.
Consumer complaint received 2017-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

After pulling a copy of my credit file I noticed an account being reported that I did not recognize. I notified  the CB, requested that they remove it, and they responded that it has been verified as mine. Questioning this response, I ( per the law ) requested all supporting documentation that was used to verify this account, along with the name and number of the individual from the CB that  " verified '' the account and the name, number, and title, of the individual from the creditor that furnished the documents. I have sent multiple requests and have never received a response other than " the account has been verified. '' and directed me to contact the creditor.  This is NOT acceptable and a clear violation of 1681 ( a ) ( 4 ). Under Section 611 ( 5 ) ( A ) of the FCRA the CBs are required to promptly DELETE all information which can not be verified. Ignoring the consumer, avoiding their legal requests, and passing the r esponsibility onto them is NOT acceptable.
Consumer complaint received 2024-10-04
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. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX bondage, which falls under trafficking according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts : AUTO LOAN ( XXXX XXXX OPENED XXXX BALANCE XXXX ), CREDIT CARDS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

Dear CFPB, my name is XXXX XXXX, and I am writing to demand the removal of an inaccurate collection account from my credit report and compensation for my time and effort in disputing it. The account in question is from XXXX XXXX XXXX and it is showing on my credit report without my consent. I have no contract with National Credit Adjusters and have given no consent for them to use my name, likeness, or credit data. Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like TransUnion to ensure that the information they report is accurate, complete and up-to-date. Also, Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Additionally, this violates Section 621 of the FCRA which states that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$3000.00} and not more than {$300000.00} as the court may allow. Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty. Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the XXXX Fair Debt Collection Practices Act ( XXXX ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under the federal laws such as 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my credit report and also compensate me for my time and effort in disputing it. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX.
Consumer complaint received 2023-11-24
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: Army and Air Force Exchange Service (VA)

Please find attached, my Formal Dispute and Refusal to Pay Alleged Debt on Military Star Credit Card Account XXXX  Due to Non-Compliance with Federal Laws and DoD Regulations dated XX/XX/2023, including supporting documentation.