davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-25
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. (MS)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2020-12-28
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: Experian Information Solutions Inc. (CA)

On a few separate occasions I have disputed with all three credit bureaus XXXX, XXXX, and Experian pertaining to a credit card with XXXX XXXX XXXX acct # XXXX for the date of last activity, payment history, status * and the dispute was returned verified. After some further investigation on my part, I am also concerned that these accounts may not belong to me, and/or the reporting to XXXX, Experian and XXXX may be inaccurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/XXXX ), this Notice includes Identification of the specific information being disputed XXXX, Experian and XXXX  reporting for Acct Number : acct # XXXX The basis for the dispute : For Payment Status XXXX is reporting Charge-off, XXXX is Reporting Charged off as bad Debt, while Experian is reporting Unpaid balance reported as a loss by credit grantor. For Worst Delinquency XXXX is reporting Bad debt/collection, XXXX is showing Not Reported, and Experian is reporting Charge off/Other Derog. On XXXX Acct # XXXX status is closed, but reports payment history with a 90+ Days Late only on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on Experian XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and no dates were reported on XXXX. Also, for the Close Date XXXX  is reporting XX/XX/XXXX as a close date while XXXX and Experian are not reporting a close date at all. For Date of Last Activity, XXXX is reporting XX/XX/XXXX ; However, XXXX is reporting XX/XX/XXXX and Experian reported as Not reported and closed as charged-off without a date of last activity. Also, for Terms XXXX and XXXX are not reporting while Experian is reporting Revolving. Lastly, for High Balance XXXX and Experian are not reporting anything while XXXX  is reporting a high balance of {$450.00}. I have sent them excerpts of my credit reports showing how these accounts are reporting
Consumer complaint received 2020-12-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I have been trying to close my checking account, with USAA since XXXX. first USAA said that we had fees outstanding, and we had to wait a few days to ensure that there were no pending transactions. When we went through the fees we learned that there were mistakes created by USAA to obtain overdraft fee When USAA reviewd their mistakes they refunded the fees. After about of month no transactions on the accounts I attempted to close the accounts today. When I logged on three of the accounts showed a XXXX balance, XXXX dollars in one account, and XXXX XXXX cents in another account. 

I transfered the funds, that showed a XXXX balance. When I called USAA to close the accounts they said one of the accounts had an outstanding balance. When I looked into the transaction history, an overdraft fee that was refunded was re-instated, triggered by my attempt to close the account. This problem was created on one other account. 

Lastly according to USAA if I have an outstanding balance [ which I currently do not ] they can not close my account.
Consumer complaint received 2020-12-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have sent out 3 letters to the credit bureaus regarding the accounts that are reporting on my credit reports. The last letter I sent was XX/XX/2020 and there hasn't been any results or anything updated on my credit reports that a dispute was even initiated. 

I am under the impression that all disputes have to be completed within 30 days. Well I still havent seen any changes. 

At this point the credit bureaus have been ignoring all of my disputes and this is stressing me out. I am considering filing litigation. This is causing me to lose hair and everything. Being a victim of the XXXX  data breach I don't know who has my personal information. 

XXXX is the only bureau that has been responding and has deleted the items that were disputes. So I don't even understand how Experian and XXXX are reporting these items.
Consumer complaint received 2021-12-20
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. (FL)

On XX/XX/XXXX and XX/XX/XXXX I received noticed from Experian that they had verified the accuracy of Bankruptcy XXXX being reported on my credit file on XX/XX/XXXX. After asking Experian to validate and verify this account, Experian stated that " The furnishing agency verified that this information was correct ''. I have contacted the courts in question and was provided a letter from the Deputy-in-Charge stated that they do provide information to the credit agencies, therefore Experian did not properly investigate or validated this record. On XX/XX/XXXX I received a letter from XXXX Confirmation # XXXX, stated that they had concluded and verified a Bankruptcy recorded reported on XX/XX/XXXX. Please see the attached letter from the US Courts stating that they do not validate or provide information to credit agencies, therefore XXXX did not properly validate this information. On XX/XX/XXXX I received a letter from XXXX file # XXXX stated that had verified information with a reporting agency. Again, according the US courts, they did not provide XXXX with such information and therefore, this information was not properly verified.
Consumer complaint received 2020-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (AL)

To Whom It May Concern, On XX/XX/2020 I disputed an account reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. 
I was informed on XX/XX/2020 that the item was deleted from my credit report. 
Now I have discovered that the item has been reinserted on my credit Report under a New Company named AFNI, Inc. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX, AL XXXX Cc : Consumer Financial Protection Bureau XXXX : Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2022-02-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. I am filing this for myself and not anyone else.
Consumer complaint received 2020-12-28
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: SYNCHRONY FINANCIAL (AZ)

In XXXX when I was married, we opened an account with XXXX XXXX. We both used the card up until our separation which was in XXXX of XXXX. XX/XX/XXXX we filed for divorce, and it was granted on XX/XX/XXXX. With a mediator on XX/XX/XXXX it was determined that my wife would keep the XXXX XXXX  account ( XXXX XXXX XXXX XXXX ), as a soul card holder in the distribution of assets. However, in XXXX my ex-wife reactivated the XXXX XXXX account, without informing them of the divorce. She was granted a new Mastercard account with them, based off the old information that they had. She had her name changed back to her maiden name after the divorce, so it wouldn't have been the same as their old information. She was at that time unemployed and had no source of income. She let the account do delinquent and consequently that showed up on MY credit report ( even though we are divorced and I am no longer responsible for her or her actions ). I have the legal court documents to show that at the time of our divorce she was responsible for the XXXX XXXX account, and I was no longer responsible for it. I had cards that I was responsible for and I let the companies know that I was divorced and she was no longer to be on the accounts. She should have done the same ... but she didn't. I spoke with XXXX XXXX and was told basically that it didn't matter because my name was on the account and they issued me a new Mastercard in my name ( which I obviously was unaware of since we don't even live in the same state ). So they were on no help to me. I would like to have this removed from my credit report as it is fraudulent information and it cause me financial issues.
Consumer complaint received 2020-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MI)

I requested a payoff of my mortgage with a payoff date of XX/XX/2020. Mr.Cooper, my mortgage servicer sent me a payoff with interest running thru the XX/XX/XXXX. I paid off the mortgage and the funds cleared my bank on XX/XX/2020. The servicer refuses to mail me a satisfaction of loan, which I have been told is a requirement in order to cancel my flood insurance policy. Fema has informed me that this policy will remain in effect and I will be charged until they receive this form. How can a company that doesn't have an interest require that I continue to keep a policy in place? 
Thanks
Consumer complaint received 2022-02-25
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. (TX)

I HAVE CONTACTED EQUIFAX MULTIPLE TIMES AND THEY HAVE FAILED TO INVESTIGATE MY DISPUTES. IVE PERSONALLY WENT TO A NOTARY AND NOTARIZED ALL MY PAPERWORK LETTING EQUIFAX KNOW THAT I AM THE PERSON DISPUTING THESE FRAUD ACCOUNTS ON MY CONSUMER REPORT! THEY HAVE FAILED TO UPHOLD THE CONSUMER LAW! EQUIFAX IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 ( A ) ( 4 ). EQUIFAX HAS NO PERMISSION TO REPORT ANYTHING USING MY INFO WITHOUT MY WRITTEN CONSENT PURSUANT TO 15 USC 1681B. THEY HAVE BROKE THE FEDERAL CONSUMER LAW!
Consumer complaint received 2020-12-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

STARTED SINCE XX/XX/2018 WHEN I FIRST CONTACTED BANK OF AMERICA TO VERIFY THE ACCOUNT THEY WERE REPORTING IN MY CREDIT REPORT. 
ITS BEEN OVER 2 YEARS, THEY STILL DID NOT FIX THE PROBLEM, NEITHER PROVIDE DOCUMENTATION TO SUPPORT THEIR DECISION. 

CREDIT BUREAUS XXXX, XXXX, XXXX  ARE INCLUDED AND ALSO HAS FAILED THE LAW TO VERIFY THE. INFORMATION BEING REPORTED IN MY CREDIT REPORT. 

I HAVE. BEEN IN CONTACT WITH CREDIT BUREAS ALSO AND HAVE ALL DATA AND DOCUMENTS SAVED FOR MY RECORDS. 

PLEASE HELP ME WITH THIS MATTER. 

RESOLUTIONS REQUEST IS : DELETE THE ACCOUNT. IMMEDIATELY FROM MY THREE CREDIT REPORTS.
Consumer complaint received 2023-06-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC (NV)

CrossCounty Mortgage. XXXX XXXX XXXX is a scam. They have lied, strung me along, and I have been given misinformation. I was going through a financial hardship and every single time I call this company they not only give you misinformation, you get different answers literally every single time I call, I get different answers. I filled out a forbearance packet in XXXX due to XXXX which was stated with a representative over the phone. I was told from the beginning that my forbearance was going to cover from XXXX forward. It was not. I was told that it would not affect my credit. It did. I was told alot of things, and what ended up happening was the exact opposite. This company scams people and has unfair practices. Someone should pull the call log and look to see how many times I had to call to resolve issues- none of which have been resolved. Someone should pull the call logs and see the lies that the representatives have told, and see the results of what actually happened to my account.
Consumer complaint received 2024-02-22
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. (PA)

on XX/XX/2024 i requested with all three CRAs that i have been a victim of identity theft, filed a FTC report by law and submitted to them. per FCRA all information should have been blocked and deleted within 4 business days of receipt. Today it's the XXXX of XXXX and have not heard anything from them concerning my request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Except as otherwise provided in this section, 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 by such agency of ( 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.
Consumer complaint received 2024-02-22
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 discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX
Consumer complaint received 2020-12-28
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: Experian Information Solutions Inc. (TX)

I requested a dispute with the 3 credit reporting companies, experian, XXXX, and XXXX  regarding a previous company I leased with in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During the entire time I leased with them I never missed a payment and was never late. However on my move out date we experienced some severe inclement weather which delayed my move out date. I notified my leasing office and in good faith they allowed me to extend the window into which I could move out and turn in my keys. However 10 months later I start receiving collection notices that I've been referred to a collection agency for not paying rent. It is my understanding that they are now trying to charge me for staying the two additional days but that was not our agreement. We entered into a good faith agreement and they can't treat me like this.
Consumer complaint received 2020-12-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2020 A letter was sent to XXXX XXXX XXXX requesting payment history and documents to support what is reporting to the bureaus. I have yet to get any response. 

I then followed up with the bureaus on XX/XX/2020 via fax. The silence is deafening. Inconsistent data continues to report with errors. 

I will attach the documents I had sent to the bureaus along with the report. I am going to list the inconsistent misleading data. 
Date of first delinquency is not listed Purge date is not listed Date of last payment is not consistent Date opened is not consistent Late dates are not consistent
Consumer complaint received 2024-02-22
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2020-12-28
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. (WA)

XXXX should not be reporting to XXXX  and Experian a collection/chargeoff in the amount of {$1600.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I contacted XXXX and informed them that I was being XXXX. This account should have been cancelled and not be reporting an outstanding balance due. Pursuant to the Servicemembers Civil Relief ACT ( S.C.R.A. ) - Benefits offered by the SCRA include : Lets you terminate your telecom contracts ( telephone, cable, internet, video & audio streaming, etc. ) if you relocate for at least 90 days to a location that doesn't have coverage under your current provider. 
I was XXXX for several months and upon returning I had moved and no services were provided in my new location. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report.
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

Experian keeps letting XXXX and XXXX XXXX  XXXX report a late payment each month on a charge-offs that are 5-7 years old. I am requesting that these matters be submitted to the Comp. Controller for investigation. There is no payment plans set up or civil judgments. This is an attempt for Experian to keep scores low so that they can get more secondary lenders to partner with them. In addition, I have submitted information to Experian from XXXX showing that there is no bankruptcy and Experian repeats that they are not satisfied with the answer from the people who put it on my credit report.