davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-12
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. (HI)

This represents my 2nd communication via CFPB in which I am addressing the matter of inaccurate and misleading data present within my credit report. As previously communicated in my dispute dated XX/XX/2023, I stressed the negative consequences of having an erroneous credit profile, which has resulted in repeated rejections from potential employers during my job applications. The current circumstances have left me deeply concerned, as securing employment promptly is of utmost importance to prevent undue hardships for my family. What is particularly frustrating is that your inaccurate credit reporting not only impacts my financial standing but also severely diminishes my overall quality of life.
Consumer complaint received 2018-11-12
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. (CA)

I have been disputing with TransUnion for over 6 months letter of violations on my credit report XXXX { 1 } No last date of last activity { 2 No name or address of collection company listed } { 3 } showing a past due balance violation { 4 } account not listed under new owner { 5 } NO notice of dispute from creditor in the past 6 months FCRA623 and FDCPA806 { b } which states that a creditor must enter a notice of dispute if this is not entered the account can not report on the credit report, which puts you Transunion in violation.

the account which I sent you the disputed information fact evidence that DSRM can not show any documentation that its my account or I used it reported in 2014 fraud to you.

remove this account, All information to you was sent through the CFPB and OCC remove this account at once there should not be an 60 day investigation on your violations from your self. I do have all documentation from the start of this dispute with dates that show your report show no dispute
Consumer complaint received 2023-07-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Absolute Resolutions Corp. (TX)

I have no contractual obligation with the ABSOLUTE RESOLUTIONS INV. And yet, ABSOLUTE RESOLUTIONS INV has an account on my consumer report alleging that I owe them a debt. This reporting was done fraudulently as there is no verifiable evidence that I, the consumer, am contractually obligated to ABSOLUTE RESOLUTIONS INV. I had since filed an identity theft report with the FTC when I first came to notice the fraudulent account on my consumer report. I never received any correspondence from ABSOLUTE RESOLUTIONS INV prior to noticing the fraudulent account on my consumer report. The ABSOLUTE RESOLUTIONS INV account present on my consumer report needs to be deleted immediately. ABSOLUTE RESOLUTIONS INV can be liable for willful noncompliance under 15 U.S. Code 1681n.
Consumer complaint received 2024-03-24
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. (VA)

I would like to dispute the following items off my credit report:


XXXX:     Previous Address(es): XXXX XXXX XXXX XXXX, VA XXXX XXXX
Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX  Previous Address(es): XXXX XXXX XXXX XXXX, VA XXXX XXXX
Previous Address(es): XXXX XXXX XXXX XXXX, VA XXXX XXXX
Previous Address(es): XXXX XXXX XXXX XXXX, VA XXXX XXXX
Previous Address(es): XXXX XXXX XXXX XXXX VA XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
Experian:  Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX   Previous Address(es): XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX
Previous Address(es): XXXX XXXX XXXX XXXX  VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: City Enterprises, LLC (FL)

City Leasing continues to call every day harassing me for payment. They have also contacted my friends and family with the attempted to embarrass me. They have come to my physical address making threats, embarrassing me and harassing me. The manager XXXX was very rude and disrespectful and threat to destroy my home if I didn't make payment.They call every day to speak to me accept Saturday and Sundays. I have a call log with all the call they make.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (OH)

On XX/XX/2023, my XX/XX/2023 mortgage payment was reported XXXX late negatively impacting my XXXX XXXX, which went down from the XXXX to XXXX 's. I've never missed a payment or have been late on my mortgage payments once. In fact my XXXX payment was made on XX/XX/XXXX. How can a mortgage lender report a XXXX late payment only 17 days into that same month!? I contacted Mr. Cooper on XX/XX/XXXX to dispute their erroneous reporting and they advised me that a case would be opened to update my credit report within XXXX days, which they have failed to do.
Consumer complaint received 2024-01-09
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)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-12-12
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. (MD)

I sent my FTC report to Equifax for review of the fraudulent accounts on my consumer file and Equifax is still reporting the inaccurate information. Even though Equifax has sent me two separate letters stating that the information wasn't being reported. I have checked my consumer file and the information is still reporting. There are fraudulent account from XXXX XXXX XXXX  and XXXX XXXX still reporting.As a consumer the information on my consumer file is suppose to be accurate. I'm enclosing a copy of my FTC report as proof.
Consumer complaint received 2023-12-12
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. (IL)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to XXXX XXXX XXXX XXXX ( XXXX XXXX ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

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 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

This Credit Card XXXX name XXXX XXXX XXXX continue to harass consumer by doing illegal events and tactics to disrupt other credit bureau agencies. I have made my points very clear before and have asked for XXXX XXXX XXXX XXXX XXXX Department over the months. They have not produced or provided me with such legal counsel office direct contact information. 

They are still doing illegal events and tactics with Equifax Credit Bureau and XXXX in placing such negative information on my credit profile to cause issues in nature to my credit profile. 

XXXX XXXX XXXX and Equifax have had enough time to gather their evidence and send such to me through this forum or panel. 

Therefore with this complaint resubmitted and on the official and legal record both should be able to send me the written contract signed by me as well as any proof saying that something is wrong with my address, etc. 

I have disputed this once before with XXXX, XXXX XXXX XXXX, and Equifax for all three are in this together and all three should be able to produce such communication from the Internal Revenue Service and myself giving them authorization and my consent to be tampering with my credit profile. 

In response to this, I want their legal counsel information so that this legal matter can be taken to court to address these issues for this has gone too far. 

All three should be held liable for all attorney fees and court fees. 

I want a copy of all three credit bureau reports to be sent to me through this forum or panels as well and you to have my consent to produce and provide such to the Consumer Financial Protection Bureau before going into court regarding this legal matter of credit issues and character. 

XXXX has been paid and this account or issue is not in delinquency. 

I have too much proof and records to validate and support this complaint. It is all on the Consumer Financial Protection Bureau 's XXXX. 

They are in clear violation of the Federal Debt Collection Act under section See XXXX XXXX Code Chapter XXXX, should I say more here... 

CEASE AND DESIST and get off my personal information and off my credit profile for, I don't owe anyone anything. You owe me MY PROPER RECORDS under the exact PROPER RECORDS, I am demanding here. 

A credit card company is not entitled to get any of my income tax records or anything that I have not consented to. Show where I have consented to you to obtain any such official and legal records. You should have all the Department of Veteran Affairs records that I signed off on for you to get for your official and legal records. Where are they?
Consumer complaint received 2023-12-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo refinanced our home after miscommunicating about options related to repayment. They gave us no clear indications about repayment after a brief payment pause period due to health-related issues. During this time, we expressed a desire to pause our payments with Wells Fargo. They obliged and gave verbal advise that we could add these payments at the end of the loan. After the pause, they said that was no longer an option and gave options like refinancing, paying several payments at once or foreclosing the loan. We opted for refinance with little to no information on related fees.
Consumer complaint received 2017-07-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

I am a   XXXX   XXXX   for the buyer in a short sale transaction. This matter closed in  XXXX , 2016 and the mortgage which was the subject of the short sale has not been discharged of record. I am unable to issue the title policy to the new owner, our insured, until this mortgage is discharged.
I have attached the short sale approval letter along with proof that the wire was received to pay the loan in full as outlined in the short sale terms. Several attempts have been made to contact NationStar Mortgage, with no satisfaction.
The subject mortgage is recorded in the Office of the Clerk of  XXXX  County New Jersey in Mortgage Book  XXXX  to  XXXX  and   XXXX   XXXX
Consumer complaint received 2023-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NEW YORK COMMUNITY BANCORP INC (CA)

XXXX erroneously included insurance in my escrow account in XX/XX/2023 since they said they never received my proof of insurance. I continued to make my appropriate payments and called XXXX every month to resolve the issue. In XXXX they agreed the insurance should be removed and tried to resolved the payment application but there is still {$240.00} of late fees not reversed and {$4200.00} misapplied directly to principle and not a payment so they say I am one month behind in payments. They call me every month from collections. I call collections back and explain what happened to yet another person who ultimately says they have to transfer me back to the escrow department who either never answer or tell me they have it corrected or today was in the middle of giving me a case number when the line just disconnected. I have spent many hours, taken out of my work day, to try and resolve this before year end when I get my 1098.
Consumer complaint received 2023-12-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am writing to dispute and request an immediate investigation into certain items on my credit report, which I believe are reported inaccurately. After reviewing my credit report, I have identified discrepancies that are causing significant harm to my creditworthiness. I kindly request that you conduct a thorough investigation into these matters and provide me with the results in a timely manner, as required by law. If any documentation or clarification is needed, please inform me promptly. The following items require your immediate attention : CAPITAL ONE XXXX. Failure to address and correct these inaccuracies within the stipulated timeframe will leave me with no choice but to pursue legal action to rectify the harm caused by these reporting errors.
Consumer complaint received 2024-03-25
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)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Credit card ending in XXXX was closed after being remaxed out after lump sum payment of {$2800.00} was paid out of income tax to pay off credit card XX/XX/XXXX. I XXXX XXXX had been dealing with fraud which drop credit score. Proof was provided to Chase regarding fraud case, police report was rejected by Chase bank and suggested closing the account XXXX after agreement of paying off card. Cash advance interest on card keeps going up even tho all cash was paid in 24hrs. Refunded transaction still added to account, not excluding stolen refunds for lost items. Also being charged extra change along with original purchases. When brought to the attention of XXXX for noticing several transactions. Overdraft checking account with large amounts ( XXXX ) on auto pay without my consent, knowing funds not available Overdraft protection off. Deposits be missing with explanation. Take recent transactions and view!! ( XXXX ) Chase has been stealing from me since I became a customer in XXXX, first {$10000.00} income tax check disappeared.Forced to closed credit card account to avoid interest still being added. Refuse to pay off after agreement broken after lump sum paid out. Action case the cut of other credit card agencies such as XXXX XXXX lowering credit limit to {$700.00} from {$1000.00} after several lump sum payments also, stop payments due to chase actions.
Consumer complaint received 2019-11-06
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: EQUIFAX, INC. (VA)

XXXX  XXXX inquiry with the credit bureaus regarding my credit report without my written consent. I never authorized XXXX XXXX to request credit report without have permissible purpose. I only have two credit cards with XXXX XXXX nevertheless there are over 7 hard injury on my credit report without my written consent. My credit score with XXXX  has dropped by 58 points and can't be fixed. I have never given written consent to XXXX XXXX and XXXX XXXX has never asked for written consent. 

According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court-ordered or requested by a state or local government agency in relation to child support. 

I have disputed inquiry through the credit bureaus regarding my written consent concerning all inquiry on my credit reports with XXXX, Equifax, and XXXX under the FCRA but hasn't received a timely response regarding my written consent. 

Each CRA hasn't responded yet regarding my written consent. XXXX   XXXX have abuse inquiry without my written consent all with the attached document regarding inquires on my credit report.
Consumer complaint received 2023-12-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XX/XX/XXXX XXXX  I was called with a cloned Bank Of America number with a scam representative who convinced me that someone was using my debit card information to make 4 purchases. They said it would not show up on my account as it has been flagged but I needed to assist them with the cancel of the transaction via XXXX by entering the amounts starting with XXXX. The total turned out to be XXXX dollars that I sent via XXXX unbeknownst that it was a scam. I then called the real Bank of America 2 hours later because i was at work prior and asked them to double check. The worker said it was a scam and asked for the details and verified that I was scammed. They then said since the scammer is within network I should be able to get my money back. On XX/XX/XXXX they denied my case and told me to contact the person that I sent the money to. I have never met said person since it was a scam so how could I contact them? It was very rude and unexpected since I have been a customer for 14 years and never once have I had to ask Bank Of America for help. on XX/XX/XXXX I called to ask about my case and it was resubmitted for review then denied once again after a few days. I went to Bank of America in person to ask if I am following the proper protocols for fraud and scam and they said yes, but they can not do anything because I technically authorized the payments on XXXX. I told the employee I understand that but it still was a scam. I would never intentionally send a stranger such a lump some of money.
Consumer complaint received 2019-11-06
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. (VA)

XXXX  XXXX inquiry with the credit bureaus regarding my credit report without my written consent. I never authorized XXXX XXXX to request credit report without have permissible purpose. I only have two credit cards with XXXX  XXXX nevertheless there are over 7 hard injury on my credit report without my written consent. My credit score with TransUnion has dropped by 58 points and can't be fixed. I have never given written consent to XXXX XXXX and XXXX XXXX has never asked for written consent. 

According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court-ordered or requested by a state or local government agency in relation to child support. 

I have disputed inquiry through the credit bureaus regarding my written consent concerning all inquiry on my credit reports with TransUnion, XXXX, and XXXX under the FCRA but hasn't received a timely response regarding my written consent. 

Each CRA hasn't responded yet regarding my written consent. XXXX   XXXX have abuse inquiry without my written consent all with the attached document regarding inquires on my credit report.