davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I discovered that the same accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-07
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)

I am writing to file a formal complaint against [ Credit Reporting Agency Name ] concerning multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically regarding adverse accounts that have been closed, the reporting of late payments, and the reporting of charged-off accounts.

Details of the Complaint : 1. Reporting Adverse Accounts That Have Been Closed : Experian, XXXX and XXXX has continued to report adverse accounts on my credit report that have already been closed. This practice is in direct violation of the FCRA, which mandates that adverse accounts that have been closed should not be reported on a consumer 's credit report. This incorrect reporting misrepresents my financial history and negatively impacts my creditworthiness. 
2. Reporting of Late Payments : I have discovered that Experian, XXXX and XXXX has reported late payments on my credit report, which is a clear violation of 15 USC 1666B. The FCRA requires credit reporting agencies to ensure the accuracy of the information they report. The reporting of late payments when no such late payments occurred is a significant breach of this requirement. 
3. Reporting of Charged-Off Accounts : Experian, XXXX and XXXX has reported charged-off accounts on my credit report. According to the Internal Revenue Service ( IRS ), charged-off accounts are considered income, and they should not be reported as outstanding debts on a consumer 's credit report. This practice misrepresents my financial status and creates an inaccurate reflection of my creditworthiness. 
I have attempted to resolve these issues with Experian, XXXX and XXXX directly, but my efforts have been unsuccessful in rectifying these violations. I am turning to the CFPB to seek assistance in resolving these matters and to ensure that my rights as a consumer under the FCRA are protected and upheld. 
I kindly request that the CFPB investigates these violations and takes appropriate action to address and rectify the inaccuracies on my credit report. I also ask that Experian, XXXX and XXXX be held accountable for its failure to comply with federal regulations and its impact on my creditworthiness. 
Enclosed with this letter are copies of my credit reports reflecting the inaccurate information, as well as any related documentation that supports my complaint. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving these violations.
Consumer complaint received 2023-09-06
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (TX)

My husband purchased a {$500.00} Vanilla visa gift card from XXXX for my birthday and it turns out the card had been tampered. A fake paper barcode was placed where funds can be scanned to and funds went to a scammer. We went back to XXXX that same evening and the store employee pulled all gift cards from the rack confirming all had been tampered with opening up each one to find a fake barcode inside. 
It has been a month and a half that I have been able to get a response from Vanilla gift card. I sent in all receipts and proof of scam and still no response. Every time I call they say it is still under investigation.
Consumer complaint received 2023-09-06
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: JPMORGAN CHASE & CO. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Marlette Funding, LLC (NV)

In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 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 refurnish an account without my written instructions. Under 15 U.S.C. 1666B A creditor may not treat a payment on a credit card account under an open and consumer creditor plan as late for any purpose.
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Continental Finance Company, LLC (NY)

Was categorically told by the customer service representatives that as long as there were six months of on-time credit card payments, the XXXXXXXX XXXX XXXX Credit Limit would be increased by {$300.00}. All conversations are recorded by the credit card company. 
I am adamantly clear that had I not been told about the increase, I would not have asked for the {$300.00} limit increase. The company 's response in previous complaint fails to acknowledge my conversation with the representatives.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2023-02-02
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. (NJ)

I have an account reporting to my Transunion Account that I do not recognize nor did I give permission for this account to be reported to my consumer report. This is the second notice that I have given to Transunion about the unauthorized reporting of XXXX XXXX XXXX to my consumer report. Under the law 15 USC Code 1681B Transunion is not allowed to report anything to my consumer report with my consent. I have not to date given Transunion or XXXX XXXX XXXX any verbal consent or written consent to report this account to my consumer report. As a violation I am filing my second report about this to the CFPB as well as to the XXXX with legal action to follow for which I will also be seeking {$1000.00} per violation for : Defamation of Character Negligent Non-Compliance Civil Liability Mental Anguish Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance [ 15 U.S.C 1681n ]
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Shellpoint Partners, LLC (MO)

NewRez is egaged in fruaglent lending practice. 
They NewRez discrimination by not allowing all of my income to be disclosed. 
NewRez saud my XXXX XXXX could not be counted when the Federal Government allows it on my taxes. 
I would like an investigation
Consumer complaint received 2023-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America decided to closure my platinum credit card which I have had for over 16 years. Even though I have made payments on the card, kept the balance low and I completely paid off the balance of {$2100.00} they still closed my account instead of rewarding my good credit card usage. They claimed that I missed payments however after calling the bank several times to fix the technical issues with the scheduled payments not coming out they did not help me fix the technical issues and about 3 payments were late but they were eventually paid and I paid late fees as well. Bank of America has not resolved the issue with scheduled payments coming out of my checking account and into the credit card account even tho online it says the payments are scheduled. I believe that Bank of America manipulated my current financial situation because I lost my job and instead of closing my other credit card which Carries a higher balance of about {$7000.00} and which had a much higher interest rate, they decided to use predatory business practices by closing the credit card account with a much lower interest rate. Its also important to know that Bank of America no longer offers the platinum credit card and over the years they have tried to close this credit card account on me which I believe is because is has a low interest rate which they do not profit off of as much as my other credit card. I am requesting to file a complaint so that Bank of America reopens my credit card and if they wish they can close the reward credit card which has a higher interest rate.
Consumer complaint received 2023-09-06
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one is holding on to my credit balance of {$21000.00} since XX/XX/2023. On XX/XX/XXXX they took out the credit balance from my account, but as of today the refund has not been mailed back to me.
Consumer complaint received 2023-09-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC (TX)

I already paid this other debt collection that was {$90.00} on XXXX XXXX. I have documentation of proof that I paid it off. After that I did not receive any other debt collection since I thought it was already paid off and when I spoke to the debt collector which was XXXX XXXX XXXX on the phone he told me I dont owe anything. So why am I being charged again for a crazy amount of {$620.00}? This debt was from the hospital bill in 2019 and i never stopped paying it off through mall, I was giving $ XXXX  monthly however the hospital ( XXXX XXXX XXXX, I think they changed their name to that ) was not satisfied and took me to the debt collector. Keep in mind the hospital did not provided me any service.I couldnt contact the hospital because it got shut done during COVID. Keep in mind this debt took a toll on me personally, they ruined my credit score and whenever I dispute the case to the debt collectors and let them know that it was already paid. They responded by saying that its supposedly accurate and they did not responded about the other debt that I paid. I dont understand whats going on. They are truly being wrongful.
Consumer complaint received 2023-09-05
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I renewed my CD over the phone with Bank of America. 

They said I would get a CD receipt in the mail. 

None came. I went through several people - but never got the CD. 

Apparently the button on the computer they pressed no longer works and all said they could not print it themselves. 
I filed a complaint XXXX with you. 

XXXX XXXX called and said she could see the CD on her computer screen. She said she would print it and send it to me. 

But almost 2 weeks later I got nothing. I assumed she was going to print her screen and have it mailed to me. But now I think she used the same button that all the others used - resulting in nothing. 

Then I was surprised to see her response to you that she sent it and closed the complaint. 

I feel this complaint should remain open until I actually receive the CD. 

Something is wrong with the button they are pressing- it should be simple for whomever sees it on their screen to print the screen and place it in an envelope - should not take 2 weeks.
Consumer complaint received 2023-06-16
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: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance Owed : {$2100.00} ; XXXX XXXX Balance Owed : {$4700.00}.
Consumer complaint received 2023-09-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (CA)

XXXX Date opened XXXX XXXX, XXXX  Account type Collection Status Collection account. {$1000.00} past due as of XX/XX/2023. 
Status updated XXXXXXXX XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX  XXXX, IA XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

I have tried to dispute my car loan on my credit report I have read over my contract and saw some fraud issues using codes 15 U.S. code Right to Rescission 15 U.S. code ( B ) Right to Rescind
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: RoundPoint Mortgage Servicing LLC (MO)

RoundPoint Mortgage grossly misrepresented the terms of a mortgage refinance by providing an interest rate not based on my creditworthiness. The inaccurate representation of my eligibility by RPM resulted in direct financial harm to me. Their offer, based on speculation, was provided with the intent of influencing my selection of a mortgage servicer. Such information did influence my decision to select another mortgage servicer, who completed the transaction at higher immediate and long-term costs than I would have otherwise endured if RPM had completed the transaction based on accurate information. 

After closing my initial refinance application without my consent and without notifying me, eliminating their previous 3.00 % offer, XXXX XXXX of RPM stated on XX/XX/XXXX that, because " the market has been incredibly volatile the last month or so, '' my " going rate for [ my ] same profile would be 4.125 %. '' At the time of this second offer from RPM I had not provided additional borrower information since my initial application, which yielded the 3.00 % rate, so XXXX XXXX 's offer was based on borrower information I had provided during the first ( and later cancelled ) refinance application through RPM. 

XXXX month prior to this second, higher offer from RPM, mortgage interest rates ( XXXX fixed ) were 2.875 %. An inquiry with another servicer on XX/XX/XXXX yielded a rate of 2.875 %, consistent with the national average at that time. Exactly XXXX month later, on XX/XX/XXXX, the national average was approximately 2.875 %, representing little net change. During that month, the national average XXXX fixed refinance rate peaked at 3.06 %. 

On the same day ( XX/XX/XXXX ) that RPM offered to lock in a rate of 4.125 %, a separate servicer locked in an offer of 3.25 % using the same borrower information RPM received for their processes. 

A review of my credit history in late Spring of XXXX did not show an inquiry by RPM for the second offer of 4.125 %. 

As my current servicer at the time, RPM 's refinance offer included significantly lower closing costs than the servicer which offered an accurate rate. The switch to a new servicer also delayed the closing of the refinance, prolonging payment under the loan 's original and much higher interest rate. Therefore, the misrepresentation of my eligibility caused immediate and long-term financial harm.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: WELLS FARGO & COMPANY (DC)

I hope this message finds you well. I am writing in response to recent allegations of fraudulent accounts [ Wells Fargo and XXXX XXXX ]. After a thorough investigation, I can confirm that I have no knowledge or involvement in such activities.
Consumer complaint received 2023-06-11
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: EQUIFAX, INC. (TN)

Identity theft, Every hospital bill on my reports are fraud. 

XXXX  XXXX XXXX  XXXX XXXX XXXX  And XXXX XXXX are fraud. 
I did not consent. My identity was stolen. 


Please send to all credit bureaus
Consumer complaint received 2023-09-05
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (CA)

I recently discovered that I had a few accounts under my name that I myself had not opened. I only found out about them because I was continuously receiving calls about different accounts being sent to collection ( which at first I thought was just a scam call ). It wasn't until I went to apply for something and got denied that I finally went to check my credit score and noticed a significant decrease. I seen that a couple loans had been opened and sent to collection, and also that a credit card had also been opened and is on its way to collection with a past due and over limit balance. I have filed with identitytheft.gov and have tried explaining to the companies the situation to no avail. I am not sure who or how my information was acquired, and have limited info on the dates accounts were opened. I do have the current amounts as listed below : -XXXX {$1500.00} -XXXX  XXXX  {$440.00} XXXX XXXX XXXX XXXX XXXX  {$690.00}
Consumer complaint received 2023-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Onity Group Inc. (NC)

I was awarded pandemic funding from the XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) program for mortgage assistance. The amount totaling over {$35000.00} was awarded in XX/XX/XXXX, and paid to my mortgage company, PHH. They have yet to apply it to my mortgage balance. They have not processed any of the payment to my account, and are now trying to say that I am in arrears, & they are going to start foreclosure proceedings. I have called PHH relentlessly since XX/XX/XXXX trying to resolve this issue with them to no avail. As of today, XX/XX/XXXX, PHH Mortgage Company refuses to apply the XXXX award money to my account. So, essentially PHH Mortgage Company has stolen those federal/state funds from me and the federal/state government. And now they are trying to steal my home.
Consumer complaint received 2023-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NV)

My second attempt with CFPB. Been denied the credit if XXXX back to my account. Wells Fargo states I gave out my pin to ppl in Texas, Florida, California. I dont know how I can provide my pin when I absolutely know of anyone in these states. I absolutely do not give my PIN number to anyone but myself. I feel you did not try hard enough to help in retrieving my money back to my personal bank account.