davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (OH)

I started dispute ( s ) on multiple transactions on my DISCOVER CARD starting back in XX/XX/2021. DISCOVER said they would look into the disputes and in the mean time credited me back the funds. 3 months later late XXXX DISCOVER CARD reverses all the credits they gave me and said I owed them with no proof or explanation sent to me. The entire time while these transactions were in dispute they reported inaccurate and invalid information to my consumer credit report reporting I owed a balance. I told DISCOVER employees that this was a violation of Title 15 U.S Code Chapter 41 1666 ( B ) and ( d ) Correction of Billing error by taking more than two billing cycles to finish the disputed transactions investigation, reporting to my consumer credit report the entire time incorrectly stating I owed a balance when in fact I disputed the transactions thus such negligence ruined my consumer credit report and once I brought up these violations they meaning DISCOVER stated I must provide verification or my DISCOVER account will be closed. Verification as in my Social Security Number. I make this complaint today on XX/XX/2021 due to the fact they are still committing this fraud, illegal activity willfully and knowingly. XXXX from the executive department has received my complaint, emailed me but somehow after all this time I owe them a new balance when my account has been frozen for almost two months. I was owed {$240.00} proof in the attachments, now they balance transferred who knows what and now I allegedly owe them money. This is Non sense. If this persist I will be seeking legal council for legal suit for Civil liability pursuant to 15 U.S Code 1640 and Criminal liability for willful and knowing violations. As demanded in my last CFPB report I want my {$240.00} owed to me back, I demand my security deposit you illegally took back which is {$300.00}, and I demand {$6000.00} in compensation for violating my consumer rights, wasting my time, stressing me out, and not taking the matter serious and all the illegal activity you have committed like freezing my account, sending me letters demanding my Social Security Account Number and stating if I do not you will close MY account.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I have identified several inaccuracies in my credit reports which include incorrect personal information, re-aged accounts, and other issues. I have sent multiple dispute letters to each of the credit bureaus with supporting documentation requesting corrections. 
None of the credit bureaus have responded to my dispute letters within the 30-day period mandated by the Fair Credit Reporting Act. Moreover, they have failed to include any notice on my credit reports indicating that I have disputed the accounts, which is also a requirement under the FCRA. 

XXXX XXXX XXXX XXXX XXXX -remove due to inaccuracy - I never paid late XXXX XXXX XXXX XXXX-remove due to inaccuracy - I never paid late XXXX  XXXX XXXX - no notice of dispute- this is a violation The inaccuracies in my credit reports have adversely affected my credit score and my ability to obtain credit. The lack of response and failure to update my credit reports have caused significant distress and inconvenience. 

I trust that the CFPB will address this matter promptly to ensure that the credit reporting agencies comply with the FCRA and take the necessary steps to correct my credit reports. 

Thank you for your assistance in this matter.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I found reported XXXX XXXX XXXX a late of 30 days in my credit report with experien, I submitted a certified letter with usps ( with a return address that are posted on my credit report ), I was asking for my signature provided to the company, as this is not my account with XXXX. Got back a email from them that they received my request but will not do nothing about it.
Consumer complaint received 2023-05-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: FORD MOTOR CREDIT CO. (NJ)

I am writing to file a formal complaint against XXXX Ford regarding my recent vehicle purchase experience and subsequent issues. I believe that the dealership has engaged in unfair practices and violated consumer protection laws, and I kindly request your assistance in resolving this matter. 

On XX/XX/2023, I purchased a vehicle from XXXX Ford. Throughout the sales process, I experienced significant pressure to accept a vehicle that was not my first choice. Despite expressing my concerns and time constraints, the dealership made me wait excessively before addressing my questions and rushing through the necessary paperwork. This delay caused me considerable inconvenience, as I had to pick up my son from school. 

Following the purchase, I promptly conducted a thorough inspection of the vehicle and discovered multiple mechanical and safety concerns. These issues were not disclosed or apparent during the sales process. Immediately, I contacted XXXX Ford to address my concerns and request repairs or a possible return. Unfortunately, the dealership has been uncooperative and unresponsive to my requests, leaving the issues unresolved. 

To add further frustration, upon investigating my loan agreement, I discovered that an auto loan with Ford Motor Credit was in place without my knowledge or consent. During the sales process, I was originally informed by XXXX Ford that I was not approved by XXXX XXXX, which turned out to be untrue. XXXX XXXX has confirmed that I was, indeed, approved for financing, indicating a potential misrepresentation by XXXX Ford. 

I believe that the actions of XXXX Ford are in direct violation of consumer protection laws, including but not limited to deceptive practices, unfair trade practices, and failure to provide necessary disclosures. These actions have caused me financial loss, inconvenience, and significant distress. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly. I would appreciate your intervention in mediating the dispute and ensuring that XXXX Ford addresses the mechanical and safety concerns promptly. Furthermore, I request that XXXX Ford provides a satisfactory resolution, which may include repairs, a vehicle exchange, or a refund of the purchase price, considering the significant issues and misrepresentation. I sincerely hope that the Consumer Financial Protection Bureau can assist in resolving this matter and protecting consumers from such unfair and deceptive practices. I eagerly await your prompt attention to this complaint and a timely resolution.
Consumer complaint received 2023-02-12
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Data Mortgage Inc. (FL)

on XXXX XXXX I put in a complaint for mortgage company Essex mortgage that was responded to, with them saying they sent my request through mail and provided cfpb with a copy and not through the portal for my protection. I have not received any documents for the documents i asked for, of debt validation. According to 15 usc 1692g debt validation, the company has 30 days to respond for the alleged debt. Essex mortgage has not responded with proper documentation or any documentation providing debt validation. Essex mortgage is a debt collector and are also not a financial institution who is able to give loans. There is no proof that this company has loaned me anything. This company violated the Truth in Lending Act by charging a down payment which is against 15 usc 1605.They are violating 15 usc 1692a Fair Debt collection Practices Act. This company is a perfect example of the illegal things these companies are doing by extorting consumers for their hard earned money. I've worked hard to provide for my family. Under 12 cfr 1431 banks aren't allowed to loan money and strictly take me as a fool with their illegal activities. This company has not recorded the deed of warranty and promissory note to county recording office as well which is a violation of federal law as well. I have recordings of no recording at the county recording office as well as a recording of a essex employee telling me they could not find my promissory note for 15 minutes of being on hold they returned with documents with a whole different loan number than mine. This company is in clear violations of laws that pertain to the Truth in Lending Act and shall be penalized as i intend to do with federal litigation. Also I have tried contacted employee named XXXX who did call me on XX/XX/2023 at XXXX to give her call at extension XXXX in which i received no response with messages,4 times as provided on my phone records. I also will be auditing this company.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. 15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-2, 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. This collection, by law, MUST be DELETED from my credit report immediately.
Consumer complaint received 2017-06-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

Where to begin, My loan was originally obtained through  XXXX .  Carrington  bought the mortgage and immediately upped my payment ( Surpassing the maximum amount I am legally allowed to get a home loan for ) to push the escrow to the maximum amount. As this was sudden and unexpected I obviously started missing payments and making payments late while they were blasting me with fees. They were completely unhelpful in terms of me making partial payments and only wanted to sell me additional services which I can not afford. The website is shotty and most of the time and at least once every  2  moths I have  one  of the following issues.   - Does not work - Will require me to change my password - Will not let me reset my password - And does not send me confirmation emails when I make my payments - Can not find the link to make payments as it is very well hidden Which is suspicious because when you call they say its {$15.00} to make a payment over the phone. I finally got even on my mortgage and now they have decided to start charging me a {$5.00}  Convenience  fee to make my payment online which again I do n't think is quite legal.   Regardless this place is not on the level. Sign me up for any lawsuits out against these guys.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-06-27
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)

I am writing to file a formal complaint against XXXX XXXX XXXX a debt collection company, for violations of the Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 1681m. I kindly request your intervention in addressing this matter and ensuring the removal of the negative account from my credit report.

Upon reviewing my credit report, I discovered a negative account listed by XXXX XXXX XXXX. Despite my repeated attempts to resolve this matter directly with the company, they have failed to comply with the provisions outlined in FACTA. Specifically, they have neglected their obligation to conduct a reasonable investigation into the accuracy of the reported account. 

I believe that XXXX XXXX XXXX XXXX actions not only violate FACTA but also undermine the fundamental purpose of ensuring fair and accurate credit reporting. Their failure to comply with the law has resulted in the inclusion of misleading and damaging information on my credit report, adversely affecting my creditworthiness and financial well-being. 

Therefore, I respectfully request the following actions to be taken : Investigation and enforcement : I urge the Consumer Financial Protection Bureau to initiate an investigation into XXXX XXXX XXXX XXXX non-compliance with FACTA. Their failure to conduct a proper investigation and rectify the inaccurate account warrants appropriate enforcement actions. 

Removal of negative account : I request that XXXX XXXX XXXX be instructed to promptly remove the negative account from my credit report. Given their violation of FACTA, it is imperative that this misleading and damaging information is eliminated to restore the accuracy and fairness of my credit history. 

I have enclosed copies of relevant documents, including my credit report highlighting the negative account reported by XXXX XXXX XXXX Additionally, I have included any supporting evidence that further substantiates my claim of their non-compliance with FACTA. I trust that this information will aid in your investigation and assist in securing a favorable resolution. 

I appreciate your attention to this matter and your commitment to protecting consumer rights. I look forward to a swift resolution that upholds the integrity of credit reporting and safeguards consumers from the undue harm caused by non-compliant debt collection practices. 

Thank you for your time and consideration. Please do not hesitate to contact me if any further information or documentation is required.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to demand that you immediately remove inaccurate information from my credit report. It has come to my attention that my credit report contains fraudulent information that I have no relationship to. This is unacceptable and I demand that you take immediate action to rectify this issue. The following addresses are incorrect and should be removed from my credit report immediately : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  CA, XXXX and XXXX XXXX XXXX XXXX, XXXX, CA, XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2023-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a capitol one credit card that had a {$1500.00} credit limit. The payment automatically comes out of my account at XXXXXXXX XXXX XXXX ( contact XXXX XXXX ), on XX/XX/16 Capitol one debited my account for the regular payment for {$100.00}. I went to my bank XXXXXXXX XXXX  this week to get some cash. The bank rep told me my bank account was overdrawn. They told me there was a debit from Capitol One for a payment of {$1300.00} to pay my card. I went to my XXXXXXXX XXXX and we called Capitol One, they said a mobile app had opened a new card, with new credit limit and new signers. I said I did not do that, they wanted all kinds of information faxed to them before they would help me. The names added to my " new '' account were XXXX XXXX and XXXX XXXX, they would not give us the new phone number or the new address. XXXX at XXXXXXXX XXXX can verify all this information. The card had already been maxed out and another approx {$3800.00} had been charged to my bank account as payment. XXXX at my bank told me that it may be best for me to go downtown to the XXXX Capitol One office to get help. I did drive on my on ( i am XXXX XXXX XXXX ) XXXX miles to downtown XXXX to the Capitol One branch bank. They were not able to help me as I was told there was no one in the branch that could help me with that problem. I have made sure that the card is cancelled and I have a case number with Capitol from the call that XXXX at my bank made with me ... XXXX # XXXX. I am about approximately {$5000.00}. I was told by my banker to go to this website to file a complaint. I have also filed a charges with my local XXXX office in XXXX XXXX, Texas the officers name is XXXX XXXX - numner is XXXX. Since I am XXXX I am haveing my good friend and neighbor, XXXX XXXX, type this information for me. XXXX XXXX info is XXXX, her email is XXXX. XXXX has also placed a fraud alert on my credit profile.I want the {$500.00} If there is anything you may need information on.
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I hope this letter finds you well. I am writing to formally dispute the accuracy of the late payment information that is currently present on my credit report. I have thoroughly reviewed my credit report and identified discrepancies related to late payments that I believe are inaccurately reported. I kindly request your immediate attention to this matter in order to rectify the inaccuracies on my credit report. 
XXXX XXXX XXXX XXXX XXXX I am aware of the importance of an accurate credit report and understand the impact it has on my overall creditworthiness. After careful review of my payment history with the aforementioned creditor, I have identified that the reported late payments are not reflective of my actual payment history. 
I am kindly requesting the removal or correction of the inaccurately reported late payments on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. I request that you conduct a thorough investigation into this matter and, if necessary, contact the creditor to verify the accuracy of the reported information. 
I kindly ask that you investigate and resolve this dispute as soon as possible, preferably within the 30-day timeframe mandated by the FCRA. Your prompt attention to this matter is crucial to ensuring the accuracy of my credit report.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have reviewed a copy of my credit report again after trying to rectify it previously, and I still notice the same fraudulent accounts even after submitting my police report and the credit bureaus still not send me any verifications that I have signed any contracts with said collectors. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing a complaint here today in order to investigate some accounts in my credit report which I believe to be erroneous. These accounts must be validated immediately to prevent more harm to my credit file Here are the aforementioned accounts : 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 XXXXXXXX Balance : {$580.00} I already sent the necessary documents to the FEDERAL TRADE COMMISSION or https : //www.ftc.gov so please verify and investigate the accounts above
Consumer complaint received 2024-01-10
Product: Credit reporting 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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following 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 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 2023-06-27
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: Experian Information Solutions Inc. (CA)

Today I received a credit score from XXXX of XXXX. Last week I received a credit score of XXXX from Experian. Both citing that I do not have a record of an installment loan. Ive sent a certified copy of lease and loan paid off on time and in full from XXXX and it is still not being calculated in my credit score. 
1. Theres a significant discrepancy between credit scores and companies 2. All three of the credit score companies have ignored my request and documentation of a car loan and lease paid off with XXXX