davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: FIRST REPUBLIC BANK (CA)

I applied for a personal line of credit about a week ago and during the application process the banker told me he would have no problem getting my line of credit approved, and would only need a few documents to get the process completed. I emailed him all of my personal documents including bank statements, tax returns, retirement accounts. After a few days of going back-and-forth with his credit analyst team, he informed me that they were declining my application because of lack of income, however my income has been steady for the last XXXX years and is actually higher this year than it was last year. He said that the underwriting team was a little different over here and that they were very conservative, however I am a mortgage banker and I am very familiar with underwriting guidelines. My main issue is that he provided to me a credit decision over the phone and told me my application would be approved, which in my mind is very misleading and is a violation of Fair Lending guidelines.
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (NJ)

It is unclear as to why they are now first coming after me when my lease was paid in full in XXXX of XXXX. Back in XX/XX/XXXX they added this item to my credit report, and I submitted a dispute. At that time, it was in fact removed. I am now seeing it again. 

I have submitted disputes to all XXXX credit bureaus and they are refusing to remove this item stating the company responded the account is accurate. I just sent proof of all XXXX payments made along with dates they were paid. 

My account with GM financial is locked and I submitted a request to have it opened but no response. When I call, I am left on hold for hours and simply do not have the time for that. 

This is negatively affecting my credit score. Please know that I take my credit very seriously as I was negative affected by my divorce years ago where my now ex husbands horrible credit affected mine. I worked very hard to get this cleared up and am sure to make all payments in full and on time which I have managed to do. 

Attached below are the documents I sent to all credit bureaus which prove I paid this lease in full. There is also a cover letter and cover sheet showing my bank account with each payment on the date paid. 

Any help would be much appreciated.
Consumer complaint received 2024-02-28
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. (WA)

I HAVE PREVIOUSLY DISPUTED : Bankruptcy XXXX Experian XXXX Type : XXXX  XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy Status : Discharged Discharged Discharged Date Filed/Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reference # : XXXX XXXX XXXX Closing Date : XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXXt Amount : {$0.00} {$0.00} {$0.00} Court : U.S. Bankruptcy Court US BKPT CT WA XXXX XXXX XXXX : {$0.00} {$0.00} {$0.00} Exempt Amount : {$0.00} {$0.00} {$0.00} Remarks : - - Bankruptcy XXXX Experian XXXX Type : XXXX  XXXX Bankruptcy XXXX XXXX Bankruptcy Status : Discharged Discharged Date Filed/Reported : XX/XX/XXXX XX/XX/XXXX Reference # : XXXX XXXX Closing Date : XX/XX/XXXX XX/XX/XXXXXXXX XXXX Amount : {$0.00} {$0.00} Court : U.S. Bankruptcy Court US BKPT CT WA XXXX XXXX XXXX {$0.00} {$0.00} Exempt Amount : {$0.00} {$0.00} Remarks : - - ALL 3 CREDIT BUREAUS AND IN RESPONSE, YOU VERIFIED THE ITEM AS ACCURATE, STATING THAT YOU HAVE VERIFIED THE INFORMATION WITH THE COURT. 
I CONTACTED THE COURT, AND THEIR RESPONSE IS ENCLOSED : Bankruptcy filings are public records open to examination by law with few exceptions. See 11 U.S.C. 107 ( link is external ) ; Fed. R. Bankr. P. 5003 ( link is external ), 9037 ( link is external ). Bankruptcy courts are not responsible for verifying or validating information in consumers credit reports. 

Bankruptcy & Your Credit Report The Bankruptcy Court does not report or provide information to consumer reporting agencies. The Bankruptcy Court is not responsible for verifying or validating information in consumers ' credit reports. 
Information about bankruptcy case records and credit reporting is located on the U.S. Court 's website. 


IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER : THEREFORE, YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT WAS EITHER AN ERROR OR A LIE. 
EITHER WAY. THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 16811 ), AND THE INFORMATION MUST BE DELETED IMMEDIATELY.
Consumer complaint received 2021-11-21
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. (TX)

I initially made a complaint regarding several items on my Experian credit report that are the result of identity and involve items that are in collection. I attempted to file a complaint previously against Experian and they claimed they did not recognize the person. I am attempting file the disputes related to identity theft.
Consumer complaint received 2021-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (PA)

Dear CFPD, My wife and I took out a mortgage on our home with Freedom Mortgage in XXXX to pay off student loans. Never once missed a payment. In late XXXX multiple notifications were sent to Freedom from the insurance company for renewal. Upon several unanswered replies, the insurance company canceled our policy. We have been able to get 10 notifications sent to Freedom trying to get them to renew the policy from the insurance company and the agent. I have emails from the Sr. V.P. of Freedom stating that they accept they were responsible for failing to make payment. 

We were uninsured for more than 12 months. We found out while we were making a claim for a frozen pipe burst under our house. Our insurance company stated we were canceled due to non-payment since XX/XX/XXXX. 

Our loss is greater than {$100000.00} and we are uninsured. We took out a policy and had to pay a premium price much higher than our old one due to the lapse in coverage. Freedom Mortgage has been on notice for 1 week and still have not acted to protect our home. This is 100 % their responsibility.
Consumer complaint received 2020-12-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

Navient Federal Loans illegal behavior 1.Navient illegally made me think I was on income based repayment when they where just putting my loans into forbearance and deferment. I would call and request income based repayment and they would say Your good to go, just call back every three months after maybe a year or two of this, after exhausting all my forbearance and deferment, I finally got someone on the phone that told me I wasn't in fact, on income based repayment, that income based repayment is done through the Dept. of Education. This is illegal! I asked for Income based repayment and was screwed, on purpose by Navient. Now what can I do? I can not afford a team of lawyers to fight them. I feel so utterly helpless and powerless against a company that can do whatever they want to me. 

2. Navient has been misreporting federal loan balances to credit bureaus. My credit report is basically indecipherable. Navient will add a balance of about XXXX then remove it the next month. Some times they add two XXXX balance increases. These loans are in actual income based repayment now, and there is absolutely no way the interest is XXXX a month. Again I am completely powerless to do anything. When I call Navient they say I have no options. Please investigate this.
Consumer complaint received 2023-05-08
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)

I reviewed my Consumer Reports and noticed that I had erroneous reports on some accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX  XXXX XXXX Balance : {$4800.00} XXXX  XXXX XXXX Balance : {$4100.00}
Consumer complaint received 2021-11-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (FL)

Today XX/XX/2021I received a letter from : sunrise Credit Services Inc trying to collect a debt of {$64.00} I don't know who are they and I don't own money to not one. 
It may be a scam but here is the information about the company
Consumer complaint received 2021-11-21
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. (PA)

Account paid in full XX/XX/XXXX, as of today XX/XX/XXXX Experian shows this account negatively on my credit report. 

Their information is outdated and they have violated my rights as a consumer.
Consumer complaint received 2021-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

As notated on my credit report, Bank of America at XXXX XXXX XXXX, XXXX XXXX TX, XXXX reported a high due balance of {$5700.00}. The issue with Bank of America has already been previously resolved. The company has already dismissed the case against XXXX XXXX by their own initiative on XX/XX/2018.
Consumer complaint received 2021-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have been trying to dispute these negative items on my credit report but the bureaus and so called furnisher claimed they investigated the account but never show proof of what they investigated.
Consumer complaint received 2021-11-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (VA)

This is a formal complaint against XXXX XXXX XXXX located in XXXX XXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the XXXX. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2021-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The below accounts have been disputed over the course ofXX/XX/XXXX months and were all received by your bureau, ( I have certified mail receipts to prove ), you have failed to provide true and accurate reporting and have also failed to provide true and accurate results in a timely manner. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX OF MO XXXX XXXX XXXX
Consumer complaint received 2021-12-14
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. (DE)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXX XXXX XXXX XXXX - Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX-Balance - Date opened XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. They failed to comply with air XXXX XXXX XXXX, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
CAPITAL ONE BANK USA - ****** Opened Date XX/XX/2008 Balance {$3200.00} CAPITAL ONE BANK USA N XXXX XXXX Opened Date XX/XX/2008 Balance {$3200.00} CAPITAL ONE - ****** Opened Date XX/XX/2008 Balance {$3200.00}
Consumer complaint received 2022-10-29
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. (CA)

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, Account Name : XXXX  XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX, 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 an account without my written instructions
Consumer complaint received 2022-10-29
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. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX : {$3100.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$1100.00}
Consumer complaint received 2023-02-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AZ)

This is my second complaint I am filing with the CFPB against Wells Fargo related to the current CFPB fine and settlement regarding denying Wells Fargo mortgage customers loan modifications and the financial harm and repercussions thus associated. 

Wells Fargo closed my first CFPB complaint saying they now need the following four items per a XXXX   delivered letter I received in the mail from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. Please provide the complete customer name on the account. 
XXXX. Please provide the complete account number. 
XXXX. The recorded Security Instrument and all assignments. 
XXXX. Copy of the complete credit report about the open lien. 

I called and spoke with XXXX on Tuesday, XX/XX/2023 at ( XXXX ) XXXX and she gave me the run around saying once again that based on my Name, Property Address of the Mortgage and SSN Wells Fargo could not find my account because it has been purged. She then said I would need a copy of the Deed of Trust, Security Instrument and Credit Report so they could locate my account. 

The following day I paid for a copy of the Deed of Trust notating my Account Number and Security Instrument number. I also pulled my Credit Report. 

This morning, Thursday, XX/XX/XXXX I called XXXX XXXX to provide her again with my Complete Customer Name on the Account and all other requested information. She said I would need to mail or fax them, she does not accept email. In fact her entire department does not accept email from outside of Wells Fargo. 

So, I went ahead and paid money out of pocket to fax her the documents at her confirmed fax number ( XXXX ) XXXX this morning. I asked when I would hear back and she said once the Deed of Trust was received, she would open a new investigation and it would most likely be assigned to a new case XXXX. 

So, once again I am bearing the burden of proof and given the complete run around as to proving I indeed had a mortgage account with Wells Fargo and qualify for the settlement.
Consumer complaint received 2022-10-29
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 DEPT OF EDUCATIONXXXX Account 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 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

Late payment on XXXX XXXX XX/XX/XXXXXXXX never been late on a payment account identity theft when the account was late I called XXXX XXXXXX/XX/XXXX when the identity theft happened and wrote a statement
Consumer complaint received 2024-02-28
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. (WA)

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.has violated my rights. 

XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX  XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX  XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Experian XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX Account # XXXX XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX  XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX 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 information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TOYOTA MOTOR CREDIT CORPORATION (NV)

XXXX XXXX XXXX XXXX XXXX XXXX} With Toyota Financial. I have asked for an extension.They reported late. Two weeks later they keep sending me letters that it was their fault. I wan na see if I can get those late payments removed