davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX - Account XXXX Please send me the proof that I neglect paying this account for XXXX year XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX Reported dates, payment status, and history are reported inaccurately. Please provide me with the original papers to prove that this is accurate. 

XXXX - Account XXXX Can you provide me with the original papers to prove that this account is accurate? If you can't prove this, please DELETE ASAP. 

XXXX XXXX XXXX - Account XXXX Please provide me with the pieces of evidence that this account is accurate. You're the only bureau reporting this account like this.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

To whom this may concern I been trying to resolve this issue with the department of educationXXXX with all 5 accounts for years and they refuse to fix and knowingly they are wrong. They been reported late payments on my account when it should have been current with no past due like the rest of my payments. 
XXXX of XXXX XXXX XXXX and XXXX has negative remarks. And I did everything I was supposed to do as far as sending in my Papers to renew my forbearance status. These accounts been open since XXXX which is too old to be on my account anyways.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-09-27
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have these accounts and i want them to be removed from my credit. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft Chapter XXXX bankruptcy discharged Case Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.
Consumer complaint received 2021-09-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (IN)

My husband and I have a FHA home loan with this company and our forbearance is due to expire. We have had many instances of inaccurate information, duplicate forms being sent l, and a tremendous problem with finding clarity with the options available for our mortgage. We have filled out mortgage assistance applications only to be sent blank ones again in the mail over and over again. When we call and verify their receipt of certain documents or to inquire about certain program availability, we are met with conflicting information or no information at all. It is extremely frustrating to gather all of the information for the documents that have been requested from us only to be told that they have NOT received them days later or we are asked to fill them out again. This process with this company has been a complete and total nightmare. We are not fully aware of our options. We have no idea where our account stands. We dont even know who to talk to. Our account is NEVER notated correctly. On top of that when we call in, we are met with rude and bullying representatives constantly. We would like to resolve this issue with our finance company to ensure that we can stay in our home but at this point, we are terrified to continue dealing with this company during this trying time. Their lack of urgency to ensure that their customers know what options are available to them and how to correctly apply for an inquire about these programs. I have recently been diagnosed with a XXXX XXXX and this process has not allowed my family and me to focus on my health.
Consumer complaint received 2022-09-15
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. (IL)

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

Please remove these fraudulent hard inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identified as Identity Theft from my consumer report.
Consumer complaint received 2021-09-27
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: EQUIFAX, INC. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (LA)

I understand FCRA 605B necessitates the removal of any inaccurate accounts from my credit report. Would you kindly review the documents? Several of the listed accounts are incorrect, and it's causing me some unease.
Consumer complaint received 2021-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX  reported a payment 30 days late. After discussing the issue with XXXX XXXX I was assured the issue was fixed. XXXX XXXX immediately refunded the late payments and instructed me that the account was noted and to dispute the late charge with all 3 credit agencies and it would expedite the process to remove the late payment. As instructed I immediately notified all 3 credit agencies. Not a single dispute rectified my situation. I again called XXXX XXXX and after multiple conversations was told I am not allowed to speak to the dispute department and that I was given wrong information. I again explained what had happened and the bank again assured me this would be fixed. It s over 90 days later and I am unable to speak to anyone who could rectify this situation for me. I even attempted to dispute the charge itself but XXXX XXXX never properly moved forward to do this. I was explained to twice by XXXX XXXX this would be fixed and I am running out of options to fix the situation.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX  obtained this account from XXXX XXXX and it was placed on Mt credit file. This account with XXXX XXXX was included in my 2018 bankruptcy so they should no longer bill me or place account in collections as of 2018. Can you please assist in removing both accounts from XXXX XXXX XXXX XXXX as it is against the law to place account that were included in my bankruptcy on my credit file.
Consumer complaint received 2021-09-27
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. (NY)

XXXX XXXX XXXX  reported a payment 30 days late. After discussing the issue with XXXX XXXX I was assured the issue was fixed. XXXX XXXX immediately refunded the late payments and instructed me that the account was noted and to dispute the late charge with all 3 credit agencies and it would expedite the process to remove the late payment. As instructed I immediately notified all 3 credit agencies. Not a single dispute rectified my situation. I again called XXXX XXXX and after multiple conversations was told I am not allowed to speak to the dispute department and that I was given wrong information. I again explained what had happened and the bank again assured me this would be fixed. It s over 90 days later and I am unable to speak to anyone who could rectify this situation for me. I even attempted to dispute the charge itself but XXXX XXXX never properly moved forward to do this. I was explained to twice by XXXX XXXX this would be fixed and I am running out of options to fix the situation.
Consumer complaint received 2021-09-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (WI)

I received a notification that I had an adverse account that was posted to my credit report. I called SOUTHWEST CREDIT SYSTEMS & was told that they sent a letter in XX/XX/2018, which I NEVER received. So three years later & with no communication, they slap this on my account. I read the reviews on this company & they are notorious for doing this to consumers.
Consumer complaint received 2021-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (OH)

I opened the account in XXXX. The welcome bonus associated with the account is XXXX membership rewards points after spending {$5000.00} within 6 months of the account opening date. I have met this spending requirement in XXXX, but haven't received the points so far. 

As such, I've filed two complaints on CFPB regarding this issue. In the responses from American Express, they mentioned they would issue the points/rectify my account as they fix an internal issue, which is the reason behind the delay. They also confirmed that I've met the spending requirement. 

However, I learned from an online representative today that the spending requirement was not met, and the majority of my spending was considered unqualified. This is shocking, and is against the info provided in the responses from the company.
Consumer complaint received 2021-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (GA)

Lender : Cardinal Financial NMLS ID XXXX The lender repeatedly fails to calculate, collect, and apply escrow payments. In XX/XX/XXXX : I received a letter alerting me to escrow funds of ~ {$1500.00} being held with a third party as part of the loan transaction. I worked with this company to try to get these funds to the lender/servicer. Cardinal financial would not take receipt of the funds. 

XX/XX/XXXX : I received a summons along with a lien threat from my municipality due to lack of payment of taxes that should have come out of the escrow account held by the server by law. Servicer refused to pay taxes out of my escrow. I promptly paid the taxes ( ~ {$5700.00} ) so as not to incur a lien on my property. 

XX/XX/XXXX : Cardinal erroneously paid the tax bill. 

XX/XX/XXXX : Cardinal erroneously double-paid the tax bill. 

XX/XX/XXXX : Cardinal gets refunded ONE of their erroneous/duplicative payments. Increases my escrow payments by {$1000.00} per month to cover their shortages. 

XX/XX/XXXX : Cardinal realizes they made erroneous payments. Is unable to explain what my escrow payments will be going forward while demanding the erroneous additional {$1000.00} be paid AGAIN. 

No relief. No explanation. No end in sight. THIS IS XXXX. They've been floating {$10000.00} of my money for 8 months and are too incompetent to account for it.
Consumer complaint received 2019-12-08
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. (CO)

Experian is reporting inquiries on my credit report that were not authorized and were performed when there was an active credit freeze in place. 
I did not apply for a new credit account with this requester I didnt authorize the credit inquiry ( s ) Each inquiry occurred without my knowledge. 
Each inquiry occurred without my written approval.
Consumer complaint received 2022-12-23
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: WELLS FARGO & COMPANY (CA)

Wells Fargo ; XXXX balance transfer was charged percentage of total transfered. Which part of the tranfer was added to Wells Fargo Credit Card & Percent Rate charged and changed. Period of XX/XX/XXXX thur XX/XX/XXXX.
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (AZ)

I'm so embarrassed, I was led to believe my whole credit life that inquiries help credit because it gets your name in all their fancy systems. and hard ones were good for your credit report card. I even have my XXXX  affected as well, XXXX XXXX. I think I created a horrible situation as my XXXX is still in the start-up phase and I already quit my job a few months back cause I was ready to start my entrepreneurship in which I learned so much but was like why am I being blocked by loans, credit cards, etc. Never learning about inquiries in credit education as I was not satisfied with my financial education as I wanted the knowledge the leverage and run a successful business, not like most people. hard-headed perfectionist here but I misinterpreted credit inquiries now I'm in financial hardship XXXX  disaster level. please help CFPB I don't know what to do I got credit cards past due and probably identity theft up and down the web. I literally applied everywhere and my email is a spam fest. I'm literally crying
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo has not reported any payments to my loan account from XXXXXX/XX/XXXX til XXXX XX/XX/XXXX. I have never received or got any notifications that credit reporting from this company had been disabled due to COVID-19. As of XXXX XXXX, I have yet to receive notification of any law or regulations stating any delays in reporting loan payments to any credit bureaus. On XX/XX/XXXX, I logged into my XXXX credit report to find that Wells Fargo marked me 30 days late for XXXX  XX/XX/XXXX, when they had not reported to any credit bureaus since XXXXXX/XX/XXXX, before then XXXXXX/XX/XXXX. On XXXX XXXX, XXXX, I made a web payment of {$880.00}. On XXXX XX/XX/XXXX I made another payment of {$1300.00}, which pushed my next auto loan payment to XX/XX/XXXX. But yet, they have marked me 30 days late for XXXX, when clearly XXXX was paid during the month of XXXX. I spoke with a customer service rep on XXXXXX/XX/XXXX at Wells Fargo that stated XXXX payment should not have been reported late and advised me to dispute the issue. Per checking my payment history with Wells Fargo there is a principal receipt of {$120.00} that has never been reported to my payment history or to the credit bureaus. Can you please correct this. Principal and interest is already added into the loan upon being approved for the loan. So why is more principal added in the middle of a loan agreement. It was also reported to The credit bureaus as a charge that increased my loan. Sounds like a scam to me. As of today XXXX, XXXX and XXXX has wrong information on this loan. They have not been updated in months. The only reason XXXX got updated is because I made a payment and it triggered a response from them, but its still incorrect. Before this, they had not been reporting correctly or even at all. My balances are incorrect on every credit report, but the Wells Fargo app is showing correct payments on time and a decreased balance per the payment I made in XXXX. I have never had a late payment on my credit from Wells Fargo. There was no indication to me, that any of this type reporting was legal.
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

An account from XXXX XXXX XXXX Opened XX/XX/2019 have reported on my credit report for a debt collection. This account appeared out of thin air on my report as I did not receive any correspondence pertaining to this collection.
Consumer complaint received 2022-10-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (CA)

I have called numerous times complaining about high monthly payments at least 5 times since last XXXX as I am still currently in school. They said there was nothing they could do. On months when I make a payment late, they call over 20 times a day often 5 times in a row during the work day or very early morning. I have told them to stop calling and then they call right back.
Consumer complaint received 2019-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I deposited a check at a Bank of America ATM on Wednesday, XX/XX/2019, at about XXXX XXXX  in XXXX, Massachusetts. I received an immediate notice that I would have a hold on the funds until XX/XX/2019. The check was from a Massachusetts company and drawn on XXXX XXXX  in Massachusetts. 

I spoke to Bank of America by phone on Thursday and they told me that the reason for the hold was " confidential '' and they could not tell the reason to me. I have no history of depositing check that are returned and have commonly deposited checks of similar amounts ( {$5000.00} ). The funds were withdrawn from XXXX XXXX   immediately. 

I have provided Bank of American with an email from the controller of the company that wrote the check with a copy of both sides of the check on Friday. But, Bank of America refuses to release the funds to me or tell me why they will not. I am avoiding depositing any checks or cash into this account as they may also receive a " secret '' hold order. Bank of America has put no other limits on the account.