davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, 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)

As a consumer, I have encountered inaccurate and misleading information on my credit reports, which has resulted in significant harm to my financial well-being. I believe that these credit reporting agencies have violated the provisions outlined in the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681 ( a ) ( 2 ).

The specific violation involves the failure of credit reporting agencies to provide accurate and complete information about my credit history, resulting in the misrepresentation of my creditworthiness to potential lenders, employers, and other entities that rely on credit reports for decision-making purposes. I have diligently monitored my credit reports and found multiple instances where outdated, incorrect, or unverified information has been reported, thereby undermining my ability to access credit and obtain favorable terms.

According to 15 USC 1681 ( a ) ( 2 ), credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. Furthermore, they must conduct a reasonable investigation within 30 days of receiving a dispute regarding the accuracy of any information on a consumer 's credit report. However, the credit reporting agencies in question have failed to fulfill these obligations, thereby violating my rights as a consumer.

I have made multiple attempts to dispute and rectify these inaccuracies directly with the credit reporting agencies. However, their responses have been unsatisfactory, often providing generic and unhelpful explanations without conducting thorough investigations or taking appropriate corrective actions. These actions not only harm my financial reputation but also undermine the integrity and reliability of the credit reporting system.

Considering these circumstances, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly and take appropriate actions against the credit reporting agencies involved. I believe that enforcement actions, penalties, and the implementation of stringent compliance measures are necessary to ensure that credit reporting agencies comply with the requirements of 15 USC 1681 ( a ) ( 2 ) and safeguard the rights of consumers. 


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Consumer complaint received 2023-11-06
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. (NJ)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-08-09
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. (UT)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or delete these items immediately. Thank you. 
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 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-11-06
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 (NY)

In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, Acct. # XXXX XXXX Acct. # XXXX, has violated my rights. 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furbish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following information, other then records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 in inaccurate.
Consumer complaint received 2020-12-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC (IL)

I am writing to file a complaint against XXXX. I attempted to settle this account twice though XXXX. XXXX and XXXX XXXX. With XXXX. XXXX, I made a counter-offer to a their offer and sent money. The money was sent back and requested full payment. I requested a cease of communication from the collection agency. I disputed via XXXX  and it was removed from credit report on XX/XX/20. With XXXX XXXX, I received a phone call and I explained the aforementioned. The customer service representative made an offer. I requested for the offer to be put in writing. I never received the offer and the account appeared on my credit report. I requested a cease of communication from the collection agency. I disputed via XXXX  and it was removed from my credit report on XX/XX/20. With Source Receivables Management, I received a notice and I responded explaining the aforementioned. I never received a response or a bill. Instead, it later appeared on my credit report. In the recent dispute, the results verify the same account in the two previous disputes as accurate on XX/XX/20, where previously they were removed. I do not agree with the practices of the creditor to collect a debt when I have responded to all their notices/calls to settle debt. I have requested a cease of communication from the collection agency. The practices XXXX have exercised deterred my credit, which is what I was trying to avoid.
Consumer complaint received 2023-11-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (CA)

On XX/XX/2023, I applied with StudentAid.gov for their Income Based Repayment program and was automatically enrolled in their SAVE program. 

I also applied with their Public Service Loan Forgiveness Program, to which my school is eligible. 

In submitting my paystubs, my retired husband 's w-2, and given access to our tax return documents, the site stated in the screenshots taken that my repayment was {$0.00} until XX/XX/2048. 

Navient asked for the SAME documents about 2 weeks later to which I submitted. Then, in a document dated XXXX, they're stating they need my RETIRED husband 's most recent W2. He is RETIRED, he only gets that document ONCE A YEAR for filing our taxes. Here 's the kicker, if they can't get a recent w2, they need a letter dated and signed from me self-certifying that is what he makes. I can't. If they can't accept official government documents what good is letter from me? If StudentAid.gov doesn't need me to self certify a letter, Navient doesn't get one from me. 

I am so LIVID with Navient, all they do is give me stupid delays and meanwhile, I am getting charged late fees on my account. This is not the first run around they've given me but what more document does this company need when the organization that says I'm qualified for debt forgiveness and a {$0.00} payment is stating such.
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I implore you to promptly update my account as I have consistently made timely payments, and the current situation is causing me a significant amount of XXXX.
Consumer complaint received 2023-06-08
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. (FL)

Hello, After disputing account XXXX XXXX XXXXXXXX XXXX XXXX multiple times I filled complaints with CFPB for the account with XXXX, XXXX and Experian. Complaints and complaint results are attached. All three claim to have verified and updated the account, however, the account still has inconsistent information with all three bureaus which include, the high credit, credit limit, date last active and date of last payment. Clearly after many disputes and my last complaint the account still is not reporting accurately. This is gross negligence on behalf of the credit bureaus and a violation of my consumer right.
Consumer complaint received 2022-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank (MD)

I closed the account because the credit card company can not validate the debt. I am the original creditor as a result, I have been contacting the merchant to provide the following documentation. certificate accounting statement they have so far went delinquent In this matter. I have sent past due invoices for them to pay my company for the following charges XXXX. XXXX. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, A PROPER BILL. {$1500.00} per page. It is my understanding that if no dispute, rebuttal or contest of this NOTICE OF UNDERSTANDING AND CONDITIONAL ACCEPTANCE AND REQUEST FOR A PROPER BILL AND LAWFUL CONTRACT AND FULL RECORD OF ACCOUNTING AND FEE SCHEDULE, Notice of Lien Notice Of Lien, Truth and lending violation, Mail Fraud and XXXX, falsifying records, deceptive and misleading representation, violation of Fair Debt Collection Practices Act. 
Title 15 USC .1601 ; Title 15 USC 1692 15 USC 1692 ( g ) ( 8 ) ; USC Title 18 2071 and 2073 ; USC Title 18 471, 472, 473, and/or 513 ; Title 18 USC 1341- 1842 XXXX XXXX XXXX 249 P. 2d 257 and 260 Title 28 USC 1746 ( 1 ) I am asking for the CFPB to contact them to have my account settled, discharged and close with a XXXX balance and my invoice paid. Thank you any question call me XXXX.
Consumer complaint received 2022-10-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/2022 I received a Debit Card from Bank of America in the mail for activation. I was immediately concerned considering I never opened an account at Bank of America. I called and spoke with XXXX, from Texas, in the XXXX XXXX XXXX Department XXXX He was able to block the card and notate that the account was opened Fraudulently. He was also able to notify me the account was opened XX/XX/2022. I was then transferred to the XXXX XXXX Department where XXXX, from Texas was able to assist me. She was able to successfully file an Identity Theft Claim since the account was opened using my Social Security Number.
Consumer complaint received 2023-07-05
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. (NM)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX 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 2021-07-27
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: Experian Information Solutions Inc. (NV)

I have tried disputing these inquires that I didn't authorize. Experian has violated the credit disputing laws, my next step will be to file a complaint with the federal trade commission. 

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 2023-12-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company (FL)

I originally applied for XXXX assistance in XX/XX/XXXX prior to missing a payment as I had been unemployed since XX/XX/XXXX and my unemployment income ran out. Online, it kept saying that my application had expired and I needed to do a new one ( I had just completed it ). I called Freedom Mortgage on XX/XX/XXXX and spoke with XXXXXXXX XXXX XXXX and she was supposed to submit the XXXX request on her end. She stated I would have a decision on XX/XX/XXXX. 

After the application supposedly went through, documentation was requested and I provided that documentation on XX/XX/XXXX via e-mail, within the timeframe I was allotted. I received a phone call XX/XX/XXXX, which had no substance to it. They asked if I had any questions and if I submitted my documentation ( they should be aware that I did ). She also stated they previously requested " Letter From Agency ''. Again, information I already know and already provided them. She asked if I knew which agency they were talking about. " Letter from Agency '' is vague and does not specify what they need or from whom. However, unemployment agency and food stamp information were already provided in the XX/XX/XXXX e-mail. 

I made a payment XX/XX/XXXX and on XX/XX/XXXX, I received an e-mail that said my account status has changed. I logged onto the website and it no longer says my account is in XXXX XXXX XXXX. When I try to look at my application, it is again saying that my application has expired and I will need to submit a new one. 

This has been the endless cycle of submitting and resubmitting their applications. They claim you have online access to view your account, but when you go online and click on XXXX application it circles you back to another webpage and you can never get the information you need or want. They even admitted on a phone call that it does not work properly ( XX/XX/XXXX phone call ). 

This has been beyond frustrating and should be unlawful to have a process that takes you in a circle because they do not really want to assistance with a loan modification when the consumer is having extenuating, short- term circumstances.
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (CA)

On XX/XX/XXXX I deposited my tax refund check dated XX/XX/23 for the amount of {$5300.00}, I was a new customer of BMO with limited activity due to being a long time XXXX customer. I opened my checking account with BMO for the sole purpose of having a set aside account with my new wife that gives her access to our money. I had put away my tax refund check for an event where I felt it was necessary to use. I didn't have an issue depositing the check online. Which was the most convenient option since I suffer from XXXX XXXX. I received email notifying me of approved and processed deposit and received an availability date the following day. When the funds were supposed to be in my account, BMO locked my account due to my deposit being suspicious activity. I requested my funds to be accessible or if I can withdraw money at branch. BMO has held my funds even though I contacted the IRS and was told my check had been paid and funds were sent. BMO has no valid reason to continue to hold my money. They even sent me a new card in the mail today XXXX which I was able to activate but unable to use at all. If they require any information to help them resolve this they haven't done so. I have spoken to BMO almost daily and am having issues to access my account with the rep over phone because they stated they can't send the one time code to my phone to allow them access, but previously they successfully sent the code to the same number with no problem. The number has not changed but now they say my number isn't registered. I contacted XXXX to ask why is it that my number can not be confirmed to show me as the owner. XXXX stood on conference call to BMO to confirm this, but still BMO denied me to proceed with my initial reason I called in the first place.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I reviewed my Consumer Reports and noticed that I had FIVE late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  XXXX : [ # XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2018-04-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BB&T CORPORATION (FL)

XX/XX/XXXX I used BB & T online bill pay to pay my daughters XX/XX/XXXXreal estate taxes to XXXX XXXX, XXXX County tax collector. It was insufficient due to a late penalty being added, so they returned it to my bank account XX/XX/XXXX by the same electronic transfer thru their XXXX   XXXX XXXX. 

( See next complaint against XXXX XXXX XXXX ) ( Returned funds yet to be received by BB & T )
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-24
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (DE)

Southwest Credit Systems XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX This account is from XXXX XXXX XXXX, for an amount owed of {$660.00}. This account was due to impact of XXXX hardship.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My student loans from the servicer XXXX XXXX was transferred to XXXX as the new servicer, and instead of this showing as an existing ( 10 year old ) account it is showing as a new account which severely imparted my credit score.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX is reporting my five loans under sequence numbers XXXX as being closed with XXXX, Equifax, and XXXX when the accounts are actually open and active. I contacted the creditor and received a letter from them supporting my claims that these accounts are actually active and open accounts ; however they continue to report these accounts as closed with no balance to XXXX, Equifax, and XXXX. This erroneous reporting has greatly impacted my credit score and is preventing me from retaining new lines of credit from other creditors and also preventing me from being able to retain a lease for an apartment.
Consumer complaint received 2015-07-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (VA)

My credit report in showing a missed payment causing me to have a deliquent payment of XXXX days on my credit report. The monthly payment changed and I was not made aware of the change being I would pay my note automatically monthly from my account. When the notice was issued, I was able to make up the difference and it was still reported as a missed payment.
Consumer complaint received 2023-01-25
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. (IL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy 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