davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-11
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XX/XX/1985 SS # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX per 15 usc 1681E ( B ) ( 2 ) Responsibilities of procurers for resaleA person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall ( A ) establish and comply with reasonable procedures designed to ensure XXXX XXXX XXXX Account Number : XXXX i demand this account be deleted from my credit report this is false misleading inaccurate and i have contacted the company with no responses at all i have sent certified mail and have been trying to contact them weekly yet no response and they have to by law provide me with everything that i have asked of them for and they have not done any of the above things listed so by federal law you are violating my rights on my consumer report and there is no way this is still reporting when i have sent proof of me contacting this company they have not verifed anything and yet your reporting on my credit report and have not validated anything at all. i deman this enitre account be deleted from my credit rpeort it is reporting differently on all bureuas
Consumer complaint received 2022-12-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America told CFPB they will response to them, but not put it on their website. They said we would get a letter by mail. Our letter by mail never came. They did send XXXX XXXX a cryptic email stating they have no intentions of changing any of there records, because there records are correct and there will be no monetary damages or anything else. I am asking CFPB to assist in helping with this FRAUD Bank of America is doing with this Loan. This was a refinance. We built the house in XXXX with an unfinished bonus room. In XXXX we refinance and got {$10000.00} XXXX to finish that room. 
This is the only time we touch this Loan. Can CFPB investigate this Case. Can they make HUD do their job. This is a FHA. HUD dismiss the Case stating It '' Appears '' to be FRAUD. But, they don't do FRAUD! What nonsense is this? This is a Federal Crime!! When they answer to the complaint, they lie
Consumer complaint received 2022-12-11
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: EQUIFAX, INC. (NV)

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. 

Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX 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 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 2023-01-04
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: EQUIFAX, INC. (TX)

Account was disputed with Equifax on XX/XX/2022, no response for more than 30days. By FCRA laws they need to deleted from credit report. 
They failed to follow the law Account : XXXX XXXX XXXX : {$4400.00}
Consumer complaint received 2024-04-06
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: EQUIFAX, INC. (FL)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. Collections West, Inc. (KS)

we purchased one blue floating week timeshare from the XXXX XXXX ( XXXX XXXX XXXX  ) in 1983. the loan for the timeshare was paid in full ( paid off early ). all maintenance fees have been paid in full and on time all these years. our warranty deed states " an estate for years terminating on XX/XX/XXXX ''. XXXX XXXX states that the timeshare was voted on to be extended for an additional 50 years in 2012. we were never personally notified of this extension nor asked to sign our approval of this extension. the only notice of this was a huge email sent in the winter/spring newsletter that bullet point # 2 says amendment 3 is passed-we have 50 more years. in 2012 we had very little internet access so we did not routinely open or read newsletters online. we only know of this now because XXXX XXXX at XXXX XXXX told us about it and joked that we probably never saw it. we do not believe that anyone should have the right to extend someones debt without their written consent. we are filing this complaint with all entities we can. thru a XXXX complaint the lodge stated that a quit claim deed stated that the timeshare had been extended. we finally located our copy of the quit claim deed from 1998 and the letter attached to it. the quit claim deed changed the way the timeshare week title was held from tenants in common to joint tenants. we can find no written reference to extension of the timeshare in the quit claim deed. there is a statement of " ownership become tenancy in common in the year 2022 '' which is the way the original warranty deed read when we purchased it. we are in our 70 's and have health issues. this is becoming very stressful. XXXX XXXX has turned over our debt for the 2023 maintenance fees to u.s. collections west in XXXX, az. XXXX XXXX offered 3 ways to exit the timeshare. we live on social security and make just enough that we don't qualify for the hardship return. we can sell it however no one wants timeshares anymore. craigslist is full of ads practically giving them away. or we can pay the XXXX XXXX 5 years of advance maintenance fees to return it. we believe our contract was fulfilled and do not intend to pay anything else.
Consumer complaint received 2023-05-29
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. (CA)

I have been a victim of identity theft and I have exercised due diligence to repair my credit but false and fraudulently information hasnt been removed after multiple unjustifiable unauthorized accounts from multiple improper investigations violating FRCA Dear Credit Bureau, I am continually being called on the telephone by your firm over an alleged debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you cease contacting me via telephone and all future correspondence be writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. Coppola v. Arrow Financial Services, 302CV577, 2002 WL 32173704 ( D.Conn., Oct. 29, 2002 ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt.

Intimate knowledge of the creation of the debt by you, the collection agency.

As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity.

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA.

I look forward to a speedy resolution of this matter.

I am attaching the lawful codes on which is in violation of the law 15 USC CODE 1681N,15 USC 1681o,15 USC 1681e,15 USC 1605, 15 USC 1681i
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (MO)

On XX/XX/2023, I requested my consumer reports from Lexisnexis and received a notice that I didn't upload enough information in the online request even though the data matches all my details and there are no fields online to upload documentation. I was denied access to my consumer report and was sent a stalling letter claiming that Lexisnexis was " unable to process request ''. 

On XX/XX/2023, I requested my verified and unverified consumer reports from Lexisnexis and they sent me the unverified records that do not give me full access to my consumer record and or details maintained within their database. I am being denied access to my own information
Consumer complaint received 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ MI ] [ XXXX ] SSN : XXXX XXXX XXXX XXXX DOB : XXXX XXXX XXXX [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX Account Number : XXXX Reason : [ 7 POTENTIALLY NEGATIVE MONTHS NEED DELETED & ACCOUNT ASAP PLEASE ALSO TRYING TO BUY A HOME. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 10 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX ]
Consumer complaint received 2022-12-11
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: Experian Information Solutions Inc. (FL)

I have been a victim of identity theft fraud which led to my credit information being compromised. The proper steps were taken for the fraud related items to be removed from all credit bureaus. XXXX and XXXX has both complied with the removal of the 2 following accounts. XXXX XXXX XXXX opened on XX/XX/XXXX ( {$8500.00} Balance ) XXXX XXXX XXXXXXXX XXXX  opened XX/XX/XXXX ( {$26000.00} Balance ) Experian Credit Bureau has yet to remove these 2 accounts, they are still being reported and updated monthly by Experian. XXXX and XXXX has already removed the accounts and no longer reports.
Consumer complaint received 2023-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (MN)

On XX/XX/2023 I had {$65.00} come out of my Chime checking account twice from merchant XXXX, a total of {$130.00}. An error occurred with XXXX and the money never went into my XXXX account nor was it sent to the recipient. XXXX has no record of these transactions. I received a refund of {$65.00} one time on XX/XX/2023 from XXXX, however, I am still missing {$65.00}. After contacting XXXX, they informed me that since they have no record of this I need to contact my bank, Chime. I disputed the transaction with Chime and they stated that I already received a refund of {$65.00} on XX/XX/2023. I called them several times in an attempt to clarify that I only received one refund, and should have received two. The disputes team at Chime escalated the dispute three times, and each time Chime stated that because I received one refund of {$65.00}, I am not owed another ( despite the fact I am still missing {$65.00} ). Several agents confirmed that I am indeed still missing the second refund, but the majority of the agents there could not speak proper English and understand the issue. I asked for a corporate phone number or address to submit a formal complaint on XX/XX/2023 and was told they do not have either of those to give me. The agent I spoke with also could not understand the issue and seemed confused. I have attached evidence showing I am still owed a 2nd refund of {$65.00}, in addition to an email from XXXX in which they advised I contact my bank, Chime, for a resolution. I am filing this complaint with the desire to receive two things 1. ) A refund of {$65.00} for the 2nd charge on XX/XX/2023 from Chime and 2. ) A written letter of apology from Chime for the way my issue has been mishandled thus far.
Consumer complaint received 2022-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TN)

I was notified by Chime ( My financial institution ) that several transactions were being made via text message and each message asked if this was an authorized or unauthorized transaction ( So Chime knew there was suspicious activity and notified me ). I called Chime and stated that these charges from XXXX, CA ( I live in XXXX  ) were not authorized by me and filed disputes on the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total- {$680.00} Chime still released the funds and asked me to provide supporting documentation which I sent to them. They denied my reimbursement, made me stay on hold for over 3 hrs and I had to call them back from another line and to make an appointment to speak with a supervisor the next day and they never contacted me. 
I contacted XXXX disputes today to reopens the disputes in order to desperately seek CFPBs help to regain the money that was stolen from me. You cant speak to anyone from Chime only their third party call center. I can not help but help violated and taken advantage of with no help or care from Chime. I would really like the opportunity to send over the documentation for evidence purposes and the opportunity to discuss the details in this regard.
Consumer complaint received 2022-12-11
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. (TX)

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. 

XXXX  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 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 2022-12-11
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)

Im filed multiple disputes for the texas Dow account on my Equifax and XXXX I showed identity theft report Ive showed police report they have went against fcra law that when I have a police report they had 4 days to block the information they also said it came back verified I asked for proof of the REINVESTIGATION steps they took they never sent it I did it all on the CFPB FOR DOCUMENTATION AND STILL NO PROOF I HAVE AN ATTORNEY AND I WARNING YOU IF IT IS NOT REMOVED I WILL FILE A LAWSUIT AND SUR THE CREDIT BUREUS FOR KEEPING UNLAWFUL INFORMATION ON MY CREDIT REPORT WTH SUPSTANTIAL PROOF IT S NOT CREDIT I WILL UPLOAD THESE DESCREPENCIES I NOTICED TODAY TO ALSO PROOF THAT YALL ALL ALLOW FALSE INFORMATION TO STAY ON MY CREDIT REPORT as you look at the two photos the monthly payment is incorrect see and yall still continue to not delete this
Consumer complaint received 2022-05-27
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. (FL)

1. 
Account Number XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX { acctdetails.phone } } Date Opened XX/XX/XXXX Responsibility Joint Account Account Type installment Loan Type AUTOMOBILE Balance {$72000.00} Last Payment Amount {$1500.00} Original Amount {$78000.00} 2. 
Account Number XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX { acctdetails.phone } } Date Opened XX/XX/XXXX Responsibility Individual Account Account Type open Loan Type XXXX XXXX Balance {$700.00} Original Amount {$700.00} Original Creditor XXXX XXXX XXXX XXXX XXXX Past Due {$700.00} These 2 accounts were opened despite freezing my credit online through XXXX, Equifax, and XXXX on XX/XX/XXXX. These accounts should have never been opened. A lady consumer advocate or something from XXXX told me on XX/XX/XXXX that she would fix the situation when I notified her that XXXX XXXX credit monitoring service alerted me that someone is trying to apply for a loan at XXXX Bank. She told me to freeze my credit online with XXXX, Equifax, and XXXX. I immediately went online and freeze my credit on the same day.
Consumer complaint received 2024-03-13
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: MOHELA (FL)

I have about XXXX different student loans that is currently with Mohela/Dept of XXXX ( at least that is how it is reported on my credit report as of XX/XX/XXXX ). All XXXX of the loans reflect a late payment in XXXX of XXXX of 90 days past due. My problem with this inaccurate information is that my credit report is reporting that the XXXX and XXXX of XXXX payments are in good standing/on time. 

How can XXXX of XXXX be 90 days past due without XX/XX/XXXX being 30 days past due and XX/XX/XXXX being 60 days past due? 

I have raised this issue with Mohela and all XXXX of the credit bureaus and no one can seem to provide me with a reasonable explanation. I believe the problem comes from the prior loan servicer inaccurate data. 

Since loan payments are paid monthly and this one loan payment is reflecting as 90 days late, but I have XXXX loans listed on my report, this inaccurate error is impacting my report XXXX.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

Equifax, XXXX  and XXXX  are all reporting false inaccurate information. I want to File auto dealer fraud XXXX XXXX finance None of my documents that I requested match or support the transaction. I went to the XXXX XXXX dealership who ran up to 5 applications over a week for no good reason and they provided me a lender whose terms changed once it came to signing with was XXXX. The Declaration page has XXXX yet XXXX is now listing themselves as the lien holder and reporting inaccurate information to credit bureaus. Documents have False Signatures Never signed or agreed to any of the Terms with XXXX XXXX I have included a letter, emails to XXXX corporate office and screen shots
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

My student loans have been discharged by the courts as of XX/XX/2024. XXXX department of education refuses to correct the problem. Please help fix this. My account with department of education shows XXXX XXXX but I am XXXX XXXX XXXX