davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
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. (TX)

XX/XX/XXXX I was a victim of auto theft. Inside the vehicle was my purse/wallet with my drivers license, money, credit cards, cell phone and other valuables. The thief used my credit cards, bank cards, opened accounts in my name. I tried over and over to resolve the matter as quickly as possible, but since my phone was also in the vehicle I had to call my credit companies from a friends phone and they could not verify me, treated me more like the criminal than the victim. I was able to put a freeze on my XXXX file in XX/XX/XXXX, which only lasted a total of XXXX year. I also filed a police report on the night of the mishap ( XXXX XXXX ). XXXX overwhelmed with losing my vehicle, unable to work and trying to get the creditors to help me shut down the accounts I was unsuccessful and I went into a deep XXXX. Thinking that it would all just go away. But unfortunately it did not go away. During the pandemic I was living with someone who provided all bills so I never thought to check my credit and I never thought someone would be so evil to continue to use my identity until recently XX/XX/XXXX I decided to pull my credit ( about to start a non-profit business ) and noticed all the things on my credit that I did not do were still there and extra items. I reached out to the local police department asking if they still had a copy of my report from XXXX. They submitted to me and I submitted it to ALL XXXX credit Bureaus, XXXX XXXX department reached out to me and offered a 7 year fraud alert on my account. Some of the items were removed, but I am still having complications with creditors removing information I have asked over and over in XXXX and XXXX. And not only are they not removing the reports they are reporting inaccurately saying the accounts were 120 days late for 3 months or they are reporting on one Bureau the accounts are closed and paid and on other Bureaus the are reporting the same account as a charge off. And using a different name reporting 2 times same information on my report. Another company removed the information from one Bureau but reopened it on another Bureau. I am tired of going in circles with these people its been XXXX  years already. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
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. (NM)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-10
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. (GA)

I the Consumer has never given Equifax permission or authorization to report false, misleading, inaccurate information 15 U.S.C 1692e on an account I never contracted or signed an agreement with. 15 USC 1679d I have made several attempts sending certified mail requesting Equifax to provide me with written consent of permissible purpose 15 U.S.C section 604 FCRA and to obtain the official contract and or signed agreement of the Furnisher with my signature owing debt to creditors listed with a legal obligation to pay. Due to the fictious, fraudulent, deceptive information Equifax has been reporting created a great amount pain and suffering, denying of credit, Home Mortgage, etc. Equifax has XXXX  days to furnish the requested data or delete this derogatory, negative information.
Consumer complaint received 2023-03-16
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: Experian Information Solutions Inc. (CA)

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I had ( 2 ) Capital One credit card accounts. One of which was late and payment plan establised and the other account was paid in full. Instead of Capital One providinng me the opportunity to rectify the account ; it was sold to XXXX XXXX XXXX. I established a verbal agreement, along with email verification that an agreed upon payment plan with rectify the outstanding balance in ( 4 ) payments of {$60.00}. We also agreed that the account would be deleted from my credit report as well as satisfactory reporting to XXXX, XXXX and XXXX. With that being said, both accounts are being reported as collections to the ( XXXX ) credit reporting bureaus listed above. 
Per the Fair Credit Reporting Act 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]. 
Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2016-09-13
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (OH)

We contacted Nationstar because we are in the 6th year of A Make Home Affordable HAMP and we received a letter from Nationstar Mortgage stating that we may be eligible for the HARP program with a reservation ID # So I call - We wanted to lower our monthly payment get our rate as low as possible for 10 years but we would go to 15 years. 

Well to get to the point when I received the email of the Loan estimate from Nationstar the Loan cost origination charges came to {$4800.00}. dollars this included points and fee so my total Loan cost $ XXXX.and total closing cost came to {$10000.00} and the rate started at 3.75 % then 3.125 % for 15 years I just feel or know something is just not right about these numbers. I have talked to other leaders and the loan cost ranged from XXXX to XXXX. If someone would contact me to let me know if Nationstar has had complaint before this I would like to know.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (TX)

XXXX and the Department of Education are making it impossible for me lead & grow my corporation as the founder and CEO, of a SBA XXXX ( a ) registered company. The company was just denied a business line of credit and credit card by XXXX  XXXX XXXX stating the reasons as delinquent student loans and limited credit profile. I paid the student loans to a {$0.00} balance and did not wait for the government to give me a free hand out forgiveness loan. I worked 365 days straight with no days off to save up to pay off the entire loan balance. Almost 5 years later, the Department of Education is tarnishing my personal character by listing erroneous information that doesnt accurately reflect my character. The Department of Education is listing my accounts as delinquent when I paid them to a {$0.00} balance. This is a clear case of discrimination in lending and a clear violation of my rights under the FCRA. How dare the XXXX  XXXX XXXX representative criticize my ability to repay one credit card with a $ XXXX balance. Yes, I have repaid my one, open installment account to a XXXX balance every month since XX/XX/2023. At the age of XXXX and still leading an active/in good standing corporation for the last seven years in business, Id say we are an ideal business to receive funding from a traditional lender. But at this point its clear to me that the real reason for being denied a business line of credit for an established corporation with no derogatory reporting and an owner with good credit is only because of my race as a XXXX XXXX.
Consumer complaint received 2018-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I got a charge about my XXXX bucks service fee because I did not meet their minimum balance XXXX. But I deposit back over XXXX next 2 days. I called Bank of America representative on XX/XX/XXXX.  He promised me can waive XXXX bucks monthly service fee this time because this is my first time. I was waiting for couple days, but I did not see any fee refund. So I called another day to see what's happen on it. But their manager XXXX changed their story. She is very rude with her bad attitude to me. She said her employee said wrong to me. Then she declined my request. I think bank of America should honor their promise what they said. They can not play a trick with customer.
Consumer complaint received 2023-11-10
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd ()

I have been using my account for the past 1 year. My account has recently been closed without any reason when I tried to contact the team said they don't know. I called the bank but no one provided me the reason. then I emailed but no one responded then I contacted them through XXXX XXXX but nothing has worked for me. there are around XXXX $ in it but the team is not replying to my emails, calls, or chats.
Consumer complaint received 2023-08-09
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-19
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: Experian Information Solutions Inc. (FL)

Despite the multiple dispute letters and CFPB Complaint I have been submitting against the Credit Reporting Agencies, the Credit Bureaus still have the audacity to continue their erroneous reporting of the disputed fraudulent accounts and information on my Credit File. I previously sent a dispute letter to the Credit Bureaus last XX/XX/XXXX, with complete attachments of my personal information as well as the ID THEFT REPORT I received from the FTC. However, a month have passed and yet the Credit Bureaus have failed to respond to my dispute letters. Upon checking my updated Credit Report, I was surprised to see the disputed items still appear on my Credit File. The Credit Bureaus ' actions is a clear violation of consumer rights and is punishable by law. I seek help from a legal counsel and they are willing to help me file a lawsuit against the Credit Bureaus. I am submitting this CFPB Complaint to the Credit Bureaus to remind them of the Fair Credit reporting Act section 605b, the Credit reporting Agencies are required to remove the disputed fraudulent accounts and information from my Credit File within the time allotted by the law. Also, if the Credit Bureaus do not comply with the requests and respond within the next 30 days, I will be filing a lawsuit. I am requesting that the Credit Bureaus remove the following items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX
Consumer complaint received 2022-10-19
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX A Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXXDate of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-06-10
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. (FL)

I am interested in processing disputes on my credit report to delete all inaccurate information that is hurting my file. this has been an ongoing issue That needs to be fixed asap. please review an delete the errors you find. all data is listed to show the errors I ned deleted.
Consumer complaint received 2022-10-19
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. (NJ)

The credit bureau 's have stated stated my account has been accurately And properly investigated but how could that be possible double if the open updates Are inaccurate, High balance is inaccurate, Date of last activity is inaccurate, the closed date Is inaccurate, the 2 year payment history and Days late are in accurate.The accounts are as followed. XXXX 1.High Balance inaccurate.2 Date of last Activity.3. Date Opened. 4.Date Closed. 5.Two- Year payment history. 6. Days late. Account 2 is Ray And Flan. 7.High Balance 8. Last Verified.9. Date of Last Activity. 10.Date Reported.11. Closed date.12. Two year Payment history. 13. Days late. Account 3 Kohls, CAPONE. 14. High Balance.15Last Verified.16.Date of Last Activity.17.Date Reported. 18. Date opened. 19.Closed Date. 20.Two year payment history. 21.Days late. Account 4 XXXX  XXXX. 22. High Balance.23.Date of Last Activity. 24. Date opened.25. Closed Date. 26.Two Year Paent History. 27. Days Late. Account 5 XXXX XXXX. 28. High Balance.29.Last verified.30.Date Opened.31.Closed Date.32. Two Year Payment History.33.Days late. Account 6 XXXX. 34.High Balance.35.Last Verified.35. Date of Last Activity.36. Date Opened.37.Closed Date. 38. Two year payment History. 39. Days late. Account 7 UPSTART XXXX.40.High balance.41.Last Verified.42.Date of Last Activity.43. Date Reported.44.Date Opened.45. Closed Date.47. Two Year Payment History.48.Days Late. Account 8 XXXX XXXX49.High Balance.49.Last Verified.50. Date Reported.51.Date Openeded.52.Balance Owed.53. Closed Date.54.Account Status. Account 9 XXXX XXXX55.Last Verified. 56. Date of Last Activity. 57. Date Opened. On XXXX XXXX, XXXX XXXX as well as XXXX XXXX. No one responds or sends a new report with updated information. Also have asked to update my personal information with only my current address of XXXX XXXX XXXX XXXX Nj XXXX. And nothing. 
15 U.S.C 1681 Section 602 ( A ) States I have the right to privacy.

15 U.S.C 1681 Section 602 ( A ) Also States a consumer Reporting Agency can not furnnish an account without my written instructions How could all of this inaccurate information possibly meet XXXX standards. Those inaccurate accounts were only for experian. XXXX Also is reporting inaccuracte information just the same with just about 100 inaccurate items. XXXX is unable to find any of my information. Please help me here my life is really hitting speed bumps and setting me back big time and this is highly unfair. And i believe the credit bureau 's were not.resolving anything due to these letters coming from a repair company and not me personally. So trying to take matters in my own hands and reach out for help.
Consumer complaint received 2022-11-10
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)

Hello, I am writing to inform you of the devious practices being conducted at Equifax. The three credit bureaus have collectively damaged my quality of life with inaccurate reporting on my credit report, but Equifax has causing detriment to the livelihood of my family with the current reporting on my credit report. These reportings consist of wrong addresses, duplicate inaccurate accounts and closed accounts being reported as being paid late to name a few. These reportings also have lead to me being denied credit, elevated cost due to higher interest rates and my family 's right to life, liberty and the pursuit of happiness being diminished. The business conducted with Equifax is deplorable as they have also reported these things without my knowledge or permission denying my rights to privacy and the fair debt collection act.
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. (NY)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX # XXXX # has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 2, it also states that a consumer reporting agency can not furnish an account without my instructions.
Consumer complaint received 2021-08-04
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: NCB Management Services Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ... NCB ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2018-12-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

A balance transfer payment was made to my XXXX XXXX Credit on XX/XX/2018 in the amount of {$1700.00} check number XXXX from my Cardmember Service account. The check was cashed on XX/XX/2018. I have supporting documents ( front and back of check ). I forwarded the documents to XXXX Payment Inquiry Team as requested on XX/XX/2018. As of XX/XX/2018 the issue is still not resolved. I have spoken to several different supervisors and was told an investigation is being done. Each time I get an apology but they need more time. I was told the payment was posted to another account. This is totally unacceptable. In the mean time I am responsible for payments to XXXX Credit to avoid late fees. I have had to have late fee reversed on the initial occasion. Please help.