davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-31
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX my attorney sent a letter to Experian disputing an item on my credit report. 
In a letter dated XX/XX/XXXX Experian replied they investigated the item and it was a valid debt. In a letter dated XX/XX/XXXX, my attorney sent Experian an FCRA 611 ( a ) demand to Experian to provide the method of verification they used to verify the disputed item. 
In a form letter dated XX/XX/XXXX, Experian again responded that they investigated the debt and it was valid. They ignored my attorney 's FCRA 611 ( a ) demands to provide the method by which they verified the disputed item on my credit report. 

After complaining on XX/XX/XXXX to the CFPB complaint number XXXX-XXXX Experian claimed that they will investigate the matter. I later received a letter from Experian just stating the same draft words the account was verified without providing me without any method of verification. This is a violation of the FCRA.
Consumer complaint received 2024-04-12
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: STATE EMPLOYEES CREDIT UNION (NC)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2022-12-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I am going through the foreclosure process. The last two statements include late fees and I have not received the closing documents with both parties signature. I requested them in writing in XXXX. When I get documents a lot of information is missing or not provided. 
Errors have been made in the payment history. All documents needed.
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (ID)

Having been a victim of identity theft dating back 2 years ago, I have been fighting continued attempted use of my identity. I created a credit freeze with a PIN number with Experian, for which they charged me to do. Recently, someone was able to contact Experian pretending to be me, to have my email modified to an account which is not mine, but is a domain currently in use by scammers, XXXX. I have attempted to report the fraud that Domain is being used for without success. With that account they were able to lock me out of Experian, lift my credit freeze, apply for loans and credit in my name being able to easily provide my more recent details due to Experian 's lack of security and proper control. 

Experian offers no direct contact for consumers, but instead offers a circle of web forms and an automated phone system that takes you no where. I was finally able to contact a person through their business support side who after much discussion, was able to to change my email back, however I am still locked out of my online account. 

At the current time, I believe my credit freeze is back in place, but can not confirm that and I can not confirm that someone can not just take my account back over again. The system in use by Experian is severely lacking, ignoring PIN numbers and secondary verification in order make critical account changes. I believe their system is being widely exploited by scammers and identity thieves to exploit the XXXX XXXX XXXX relief loans due to the Covid19 crisis.
Consumer complaint received 2019-12-31
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.
Consumer complaint received 2023-03-08
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. (PA)

INACCURATE INFORMATION IN MY CREDIT REPORT. ACCOUNTS : XXXX XXXX XXXX XXXX  {$27000.00} XX/XX/XXXX. XXXX XXXX  {$110000.00} XX/XX/XXXX. XXXX XXXX  {$1500.00} XX/XX/XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-26
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. (CA)

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.

Equifax has violated my nghts.

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 intormation Any other adverse item of intormation. other than records of convictions of crimes which antedates the report by more than seven vears.

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 consumer didnt consent. 

The following account on my Equifax XXXX XXXX credit report does not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2022-12-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (UT)

XX/XX/22 chime closed my account and for days prior to that my account t had been frozen so I had no access to my money and then they closed and kept all of my funds in my checking and savings accounts. Total amount in my savings was {$100.00} and XXXX dollars in my checking account. 
They said I violated their user agreement but I provided them with the receipt proving that it was my money and that it was deposited to the right account. And they said that wasnt good enough and stated that until I show them proof they wouldnt refund my money.
Consumer complaint received 2022-12-27
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WEBSTER BANK, NATIONAL ASSOCIATION (AZ)

My bank XXXX XXXX wrote a draft to me th pay off my car loan to XXXX XXXX XXXX. After going over the check and appropriate signatures were attached. I mailed the check the same day via united states postal service. The was XX/XX/2022. I called XXXX Financial services several times asking why my draft ( check ) had not been applied to my account. They assured me that it would be applied and to wait 10 business days. I then called back at the beginning of XXXX and was told that it may have been applied to someone else 's account. I then waited to see if they recovered the funds. They finally called the week of XXXX stating the check was cashed at a Webster Bank and told me to contact XXXX XXXX which is my bank to have them see when it was cashed. I then reached out to my bank and was told it was cashed on XX/XX/2022. I went into XXXX XXXX and began the fraud investigation paper work. Since that time Webster bank has not responded to XXXX XXXX. I am now paying two car payments to two different institutions. My pay off was going to XXXX XXXX. It ended up on the East Coast. Upon XXXX  Webster/Sterling bank they are only on the east coast XXXX I really need help with this matter, this has been a nightmare. Thank you!
Consumer complaint received 2019-02-13
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. (TX)

ATTENTION EXPERIAN DISPUTE DEPARTMENT I CAN NOT believe that Experian is STILL reporting the account XXXX although I have pointed out SEVERAL inaccuracies with this account. How can Experian verify inaccurate information as accurate? By law it is Experians job to ONLY allow accurate and correct information to be entered onto my credit report. 
I am challenging this account for the following reasons : Failure to perform an independent investigation per FRCA regulations Failure to correct, remove, or verify inaccurate disputed items Each credit bureau lists a different open date. Experian XX/XX/17, XXXX XX/XX/17, XXXX XX/XX/17. How is that accurate? 

There should be no past due on a charged off/closed account yet Experian lists a past due amount of {$350.00}. How is this accurate? 

There should be no negative payment history on a closed account recorded yet Experian lists this account negative monthly. How is this accurate? 

The terms are inaccurate. 

This account is charged off and should not be listed as revolving. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute.
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OH)

I had some hard inquiries on my credit. Some of them were not warranted and I disputed to equifax to remove them. After that happened around XXXX XXXX, I checked and saw my XXXX report only showed 1 credit inquiry instead of 4. Previously before the dispute I had 4 on each report. Because of this, I though everything was cleared up. Then I checked my Equifax recently and noticed that there were still 4 inquiries on my report for Equifax but XXXX is still cleared up with just one.

I'm confused as to why it would clear up my XXXX report but not my Equifax report when Equifax  was the one I disputed with anyways?
Consumer complaint received 2023-11-28
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. (MD)

In accordance with the Fair Credit Reporting accounts 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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-12-31
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)

i am filing this complaint because XXXX, transunion and XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra -they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately.
Consumer complaint received 2023-02-07
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. (MS)

I have pulled my credit report and saw accounts that I am not aware of, These accounts should be deleted from my credit report since this is a violation. 

Late Payments 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 2020-01-07
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. (AK)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I receive a paper statement in the mail however, this statement failed to be delivered. When I realized that this statement never arrived I immediately contacted the creditor and made the scheduled payment. I was assured by the representative that I made the payment with that no late fee would be given. I did not realize there was a late fee until I obtained a copy of my most recent credit report. This false reporting of lates is seriously harming my credit score and this item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Capital One offered a promotional with 5 % cash back so I applied for the card. I received the card and read the small print to discover that the only way to receive the 5 % cash back was complicated and only applied to using it at XXXX. I didn't like this kind of promotion so called and cancelled the card. It was never used ( or even activated ) so I really don't want this on my credit report. I am very concerned about this kind of advertising which is very unfair to the consumer.
Consumer complaint received 2020-01-07
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ERC (NJ)

On or about 4 years ago, I called XXXX to buy a new phone. Immediately that phone started showing malfunctioning problems, so I contacted them to complaint. They sent me another one to replace it with another one according to a totally new XXXX and in excellent condition. However, that new phone came with problems as well as. I contacted XXXX I called several times, they made me remove the battery, turn it on again, and the " new '' XXXX XXXX  XXXX. was worse than the one that came back to them.If going or incoming calls was impossible to hear the other party or vice-verse. My friends or other callers, told me that the call was heard cut off, and they did not understand me, so without other alternative they had to hung up the call or I had to do so. Most of the times the call was always dropped or the cell phone was frozen. While I had constant problems with that new cell phone, sold by XXXX, my son never had any problems, he bought his XXXX XXXX at the Mall. Therefore, my phone I bought 6 months later from XXXX, the difference between my sons cell phone was and stills in perfect condition. Having this situation I was forced to use a old non smart phone that I had bough in the past from XXXXXXXX  in order to call my family and receive calls from friends, family and important calls. I trusted XXXX, I regret it, I should buy it at the Mall as my son did. 

Luckily, my son decided to buy a new phone two years ago, I decided to use his old XXXX XXXX, that he bought at the Mall. That is the phone I am using since 4 years ago, almost 5. While the cell phone sold by XXXX it only lasted two years and with a lot of bad functioning problems, my son 's cell phone that he bought at the Mall is in perfect condition after almost five years, that is the phone that I am currently using the XXXX XXXX XXXX phone. I offered XXXX to return that phone that they sold to me and that stopped working, they rejected, obviously, they know what they sold me, and at all costs they want to take my money for a cell phone that they sold me with malfunctions. I was paying for that cell phone, until it totally stopped working. My question is why we have to be victims of fraudulent sales, want to force us to pay for something that is garbage? I lost my job, I wouldn't mind paying it if they had sold me something in excellent condition, but it's not like that. It is fair that I have to pay for something that was sold to me, knowing that I told them I was presenting a malfunction and did nothing to remedy that situation. I have that cell phone stored for almost 4 years, because it has not worked since I sold it XXXX, again I offer to return that bad item they sold me. 

The law have to be impartial, and protect who needs help in cases of unfair actions.
Consumer complaint received 2021-04-20
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I had a loan with Bank of America back in XX/XX/XXXX for my primary residence located at XXXX XXXX XXXX XXXX XXXX. XXXX, MD XXXX. I applied for a modification, made the trial payments and was approved for a modification, which was never executed, no payments were made and I defaulted. The loan was then transferred to XXXX XXXX  XXXX. I applied for another modification and was granted. My house was put up for sale in XXXX of XXXX, I have a contract and was supposed to go to Settlement on XX/XX/XXXX, but Bank of America sent XXXX a partial claim for XXXX saying I got the 1st modification. Since XX/XX/XXXX I have been going around and around with Bank of America, XXXX trying to get someone to release the XXXX partial claim that I do not owe. I need a release or something stating the XXXX partial claim is null & void. The modification back in XXXX was never executed and defaulted. Someone got paid on that loan with title or coinsurance, but I never got the modification. BOA transferred my loan to XXXX XXXX XXXX following the default. 

I filed a complaint with US National Banks back in XXXX complaining about Bank of America never giving me the modification in XX/XX/XXXX. I also filed a complaint with Federal Reserve XX/XX/XXXX, US National Banks against BOA. I missed my settlement for the sale of my house last Thursday XX/XX/XXXX and it is rescheduled for this Thursday XX/XX/XXXX. If I do not have that release, my buyer is walking. Please get this information in front of a supervisor or someone that can send XXXX so this can be taken care of ASAP.
Consumer complaint received 2020-01-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MI)

In XXXX of 2018 I had contacted cfpb about this matter, I was awarded back my fees and refund and was told to go back to the station where I had purchased a moneygram in question, I have done so on many occasions and have been told everything from the computers are down to they are selling the business and will be up running soon to now and so I called moneygram and now it says my reference number is in valid and now again I'm fighting to get back my refund of XXXX and moneygram transaction fees, please help
Consumer complaint received 2020-01-07
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: Experian Information Solutions Inc. (AR)

On XX/XX/2020 at approximately XXXX Central Time, I received an email from Experian about a new alert on my credit report. Instead of accessing any links from the email, I went directly to the company 's website to log in for more information. 
At the member log-in screen, I entered my information. The system attempted to log me in, but instead re-routed me to a page asking if I wanted to access my free credit report. In the top right corner of this page is a link that says " Already a Member? Log In. '' I clicked this link, which brought me right back to the original member log-in page. I entered my information once again and attempted to log in. The site brought me back to the same " access my free credit report '' page. This time, I used the link to access my report. The site took me to a page where I had to enter my personal information. Upon entering all of my information, the site brings me back to the log-in screen and tells me that I already have an account. 

My account is in a constant loop, and I am completely unable to access any of my credit information, account information, or make any changes to my account due to Experian 's faulty website. I have searched each page for any other way to log in without being automatically redirected, but it will not let me. My log-in information is correct, so that is not the problem. The problem is Experian attempting to force a redirect to a faulty page. 

I have attempted to contact the company by phone. I have tried every possible option in the automated system to let me talk to a real person since the automated system can not possibly comprehend my issue. There are no available options to talk to somebody about this issue in a timely manner.
Consumer complaint received 2023-11-28
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. (TX)

A dispute was submitted to Experian mailed certified mail XXXX tracking XXXX. I received an email from Experian refusing to investigate this issue and advising that I did not send the disputes, which is incorrect. I mailed these disputes off, I've provided my ID, bank statement, and XXXX to verify my identity. Attached is a copy of the tracking and the email I've received from Experian. According to the tracking, the dispute was delivered. According to the Fair Credit Reporting Act inaccurate, or unverifiable information must be removed or corrected, within 30 days. Not doing so, is a violation of FCRA.
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

As cosigner on a loan I was notified after the payment was late ..under 30 days ... and paid the loan off myself over the next 90 days. The loan does not show any online payments on my credit report only 1, 30 to 59 day late payment when the pay history other than the one instance was perfect. Reported fraudulently with bias against myself by the lender and must be removed entirely due to violation on fcra.