davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-22
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)

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-01-11
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: EQUIFAX, INC. (NJ)

Hello, my name is XXXX XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2021-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (CO)

I have a destiny card by Genesis FS Card Services. Its a {$300.00} card. I always check the available balance before I use the card online to see how much I can spend. I did that in XXXX. No problem. I didnt use the card in XXXX cycle because it was maxed out. I paid {$40.00} on XXXX XXXX. Then it said I had {$43.00} available. I used it for {$23.00} for gas. Now the balance is {$370.00} and saying that my XXXX charges were over and they added a {$29.00} fee. Thats a scam. It shows online that you have available credit, that you apparently dont have. They let you use it. Then they come back and say oh wait its over. Heres an overdraft fee. I go off the screen thats posted below. Thats all I have to go off. If its saying I have available credit, I should have available credit. If I was over in XXXX, I shouldnt have had any available credit in XXXX after I paid the {$40.00} because Id still be over. This company is scamming people.
Consumer complaint received 2021-12-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: First Technology Federal Credit Union (NC)

Hello, On XX/XX/XXXX my car was repossessed because of the lack of payment. Several times did I try and get assistance for hardship and refinance however they did not approve me to do so and I stopped being able to make my payments back around XXXX. 

Again my car was taken on the XXXX. I was able to get my parents to make my past due payment and the repo fees on Friday XX/XX/2021. I was told that it would take 1-2 business days for the release paperwork to process. It is now XXXX and I still dont have access to my vehicle. I paid First Tech in the amount of XXXX. The lot attendant that they choose to work with closes daily at XXXX. First Tech special assets dept is 3 hours behind so when they are opening the lot is closing. I expressed that I needed a vehicle to get around in during the holidays and asking for what step in the process am I in so I know what is taking so long. The agent XXXX XXXX ( XXXX ) was very rude and condescending saying things like I should have taken care of this before, I wouldn't be in the situation etc. I am going through a divorce and experiencing financial hardship. I dont need to be reminded of what I should have done. I want to get my vehicle because I paid my portion of the balance and now they need to do their job. From the beginning XXXX never let me know it would take as much time as it does. The lot will be closed on Thursday and Friday this week. That means after today, I wont be able to get my car back to at least Monday. The dept keeps speaking of I have to wait on the process. I asked what the process is and what part I am in and XXXX couldnt give me a straight answer. This bank has been horrible to work with. I take ownership for my XXXX and not being able to pay and communicate when I did but I am trying to be deligent so that this doesnt happen again.
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc. (MI)

This is a formal statement notifying the credit bureaus that the accounts under account # XXXX are being disputed. The purchase date of the vehicle is XX/XX/XXXX, The vehicle was financed by XXXX XXXX XXXX, repossessed in the state of Michigan, and sold on or about XX/XX/XXXX. Under the laws UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. - EFFECT OF ERRORS OR OMISSIONS. 9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are REQUIRED to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. If no such proof is provided, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system.
Consumer complaint received 2019-11-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (MS)

On XX/XX/2019, I sent letters to Franklin Collection asking for validation for some alleged debts that were reporting in my credit file. I had no knowledge of their company nor had received any services from their company. As of this complaint, I have yet to receive validation of any of the alleged debt, yet Franklin Collection has continued to report derogatory comments on my credit file all the while ignoring my request for validation. On XX/XX/2019 I sent my second request for validation certified since my first request was ignored. Franklin Collection has constantly posted derogatory comments on my credit file since my validation letters was sent which is a clear violation of the Act which states that collection agencies must stop all forms of debt collection and reporting if a consumer request validation. I have enclosed a copy of the original letter and also the screenshots to prove that they have violated the Act.
Consumer complaint received 2019-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I recently received a copy of my credit report. Please be advised that you are reporting the wrong address information on my credit report. I am in the process of a new loan transaction and the era is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible will be greatly appreciated. 

My current and only address is listed below XXXX XXXX XXXX XXXX md, XXXX Please remove any other addresses from my report as they do not belong to me and are being reported in error.
Consumer complaint received 2024-02-20
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: Experian Information Solutions Inc. (TN)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-12-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (SD)

I received a delinquent tax due notice regarding my property for which Amerihome had purchased the mortgage. In XX/XX/XXXX, I contacted Amerihome and spoke with XXXX who indicated to me that my escrow account was incorrectly marked on their system as not escrowing for real estate taxes. Upon her research, she confirmed that my escrow was set up to include real estate takes and promised that the real estate taxes would be paid before XX/XX/XXXX. I confirmed that I had made all payments on time and had adequate funds in my escrow account. I contacted Amerihome again on XX/XX/XXXX after noticing that the real estate taxes still had not been paid. Another representative, XXXX, confirmed that the taxes had not been paid even though the account was correctly marked as escrowed for RE taxes and stated that the expected completion of the task was now XX/XX/XXXX but could not explain why the previous timeline had not been followed. I asked to speak with a supervisor - one was not available so she placed me on 24 hour call back. The next day, I received a callback from a supervisor who explained their tax department was struggling to match the legal description of the mortgage with the tax bill but could confirm the legal description included on the mortgage was included on the bill. He also told me to contact them on XX/XX/XXXX if I had not received notice the taxes were paid. I contacted them on XX/XX/XXXX as taxes still have not been paid and spoke with XXXX. She confirmed taxes still had not been paid and was unable to give a timeframe of when it should be completed by. I asked for contact information for the department working this but was denied access to that. As a member of my community that respects everyone paying their bills on time, I am being harmed by Amerihome Mortgage Company , LLC and XXXX XXXX Bank due to my real estate taxes not being paid on time
Consumer complaint received 2021-12-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: PENTAGON FEDERAL CREDIT UNION (CA)

PenFed makes in incredibly easy to make online payments. The problem is that these are interest payments. I would like to make principle only payments, which lowers principle quicker and reduces overall interest charges over the life the loan. PenFed intentionally obfuscates the process of making a principle only payment. They require a phone call and have an intentionally complex and long phone menu that takes a minimum of five minutes to reach a human that can assist. I have been informed there is no direct line or quicker way to a human. A rep had a suggested I try calling a credit/debit card support line to get a human quicker, which worked, except the rep I received was completely unhelpful and could only requeue me. There is no reason at all to make this process so obtrusive, except for the fact that PenFed is attempting to maximize the interest collected ( at my expense ) over the life of the loan. The payments I am attempting to make are between accounts at the same credit union, so there should be no reason I can't do this operation online.
Consumer complaint received 2023-01-20
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. (LA)

I see two accounts that Equifax is reporting on my credit report. I do not have a contract to do business with either of the companies listed below. I have the same name as my son. I don't think the bureau did any sort of verification before listing these items on my report. Therefore, I must request a copy of the signed contact to do business with the parties listed : XXXX XXXX XXXX opened on XX/XX/2018 {$890.00} XXXX XXXX XXXX opened XX/XX/2018 {$1300.00} According to FCRA, its possible for Equifax to have mistakenly mixed credit information of people with similar information, which violates the FCRA if not remedied Creditors should not give information they know ( or should know ) is untrue or inaccurate to Equifax and Equifax should be making sure what they're reporting is true and accurate before listing these accounts on my report. 

Please provide requested info and not just say the items were verified without providing me of PROOF in the form of my signature.
Consumer complaint received 2019-09-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (SC)

XX/XX/XXXX To whom it may concern, I've been trying to Modify my home loan originally with XXXX XXXX / XXXX XXXX since XX/XX/XXXX. After completing and submitting my application XX/XX/XXXX, I never received a correspondence of denial or approval, and all calls went to voicemail, along with emails going unanswered. 
Pending a foreclosure hearing set for XX/XX/XXXX, I received a letter XX/XX/XXXX from the lender 's attorney stating the property is in foreclosure, and attached a occupied conveyance application for me to fill out. 
On this letter It also said it please contact XXXX XXXX if you have any questions. ( attached ) I immediately telephones XXXX XXXX XX/XX/XXXX, who then told me, they no longer owned my long since XX/XX/XXXX and I never knew. 
After a Web search I discovered the money source owned my loan. I reached out to the money source and told them I was in a process of a modification with loan care to no Avail. 
The money source offered me to apply for a modification with them and I submitted my application XX/XX/XXXX. 
XX/XX/XXXX I received a letter stating that the money source needed a bank statement I see it the money source the bank statement XX/XX/XXXX. 
XXXX The judge extended the foreclosure hearing since I was in the process of a Modification application. 

XXXX XXXX XXXX= follow up call with XXXX XXXX ext. XXXX, says I should hear something by Monday XXXX. Told him I was having issues with account manager, he said he would email supervisor. 

XXXX XXXX XXXX. = follow up voicemail to XXXX Re : not hearing nothing since Monday XXXX. 

XXXX XXXX XXXX =Still waiting on response from XXXX or a electronic correspondence to confirm my submission from XXXX will complete my application. 

XX/XX/XXXX Called T.M.S to follow up on application. 
Told by rep ( XXXX XXXX ) all documents had been received and to leave a message for XXXX. 

XX/XX/XXXX missed call from XXXX XXXX XXXX 

XX/XX/XXXX called XXXX back XXXX XXXX 
Held for 15 minutes, than sent to XXXX 's Voicemail. 
Left voicemail. 


XX/XX/XXXX called again to speak with XXXX Sent to voicemail. 

XXXX No returned call, no follow up documents on application status. 
XXXX I discovered TMS told their attorney they were waiting for documentation from me and I had till the end of the day to submit it. Documents I had and still have no idea about as of this letter. 
XXXX No returned phone call or answered phone call with TMS. Also no corresponding letter stating missing documents or of approval or denial.
Consumer complaint received 2022-10-11
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I SENT A DISPUTE LETTER TO EXPERIAN ON XX/XX/XXXX ABOUT A BANKRUPTCY ON MY CREDIT REPORT. EXPERIAN PROVIDE A RESPONSE AND SAID THE BANKRUPTCY REPORT WAS VERIFY WITH XXXX XXXX AND THEY COULDN'T DELETED THE INFORMATION. EXPERIAN PROVIED FALSE VERIFY INFORMATION TO ME ON EXPERIAN REPORT NUMBER XXXX FOR XX/XX/2019 EXPERIAN REPORT NUMBER XXXX FOR XXXX AND REPORT NUMBER XXXX FOR XX/XX/2019. HOW DID EXPERIAN CONTACTED VENDOR NAME XXXX WHEN THE PUBLIC RECORD SOURCE FROM XXXX WAS DELETED FROM THERE INFORMATION SYSTEM AFTER A RE-INVESTIGATION AND MAIL ME OUT A LETTER ON XXXX XXXX. CASE NUMBER XXXX CONSUMER NUMBER XXXX FROM THE XXXX XXXX SYSTEM EXPERIAN NEVER VERIFY THE ACCURACY OF THE PUBLIC RECORD, INSTEAD THEY SENT A LETTER SAYING THAT IT COME BACK VERIFY.. THEN EXPERAIN SENT A LETTER TO ME SAYING THEY VERIFY THE INFORMATION WITH U.S BANKRUPTCY COURT CONFIRMED THE INFORMATION. HOW IS THIS SO WHEN I WAS SENT A LETTER IN THE MAIL FROM UNITED STATED BANKRUPTCY COURT ON XXXX XXXX. THE CLERK '' S OFFICE DOES NOT PROVIDE INFORMATION TO CREDIT REPORTING AGENCIES. I WILL UPLOAD A COPY OF THE LETTER, AGAIN EXPERIAN PROVIED FALSE INFORMATION TO ME.
Consumer complaint received 2019-07-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC (TX)

I received a notice of justice court citation. The citation states that I was sued by Calvary SPV l , LLC, ASSIGNEE OF XXXX XXXX on XX/XX/2019. I am being sued for {$2200.00}. There are no actions taken by me at this time.
Consumer complaint received 2021-12-22
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Screening Reports Inc. (IL)

My credit report was scan on XXXX-19 through this company ( Screeningreports inc ) And by the certain cycle I was told that the company is using to scan my report, is showing a inaccurate XXXX Credit score and information on my report which is causing me to get Denied for my apartment lease. Its showing the inaccurate amount of my credit cards balance & other loans balance. I have worked hard for the past 6 months to get my score up to a certain score in order to get approve but however the company is getting a inaccurate XXXX credit score on  my report. I wasnt told specific details of the cycle the company use, but Im totally confuse on why its showing inaccurate information.
Consumer complaint received 2023-01-20
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. (OH)

By the provisions of the Fair Credit Reporting Act, I am submitting you this CFPB Complaint to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX : {$330.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Please check the Payment History information of this account. The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account. I am not late on this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. 
XXXX XXXX XXXX Balance Owed : {$9500.00} - XXXX believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy.