davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-05
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. (GA)

Sent out multiple disputes with all the proper documentation experian credit bureau and they still won't do and proper investigation. But still remain the fraudulent account and inquiries on my credit report. Now I'm demanding proof of their full investigation with all the supporting documents showing that all information is correct or else removed from my credit report immediately.
Consumer complaint received 2023-03-05
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. (PA)

On XX/XX/XXXX I received notification that my dispute results for XXXXXXXX XXXX XXXX account number XXXX were process. With this dispute, I sent proof that the account balance was inaccurate reported. As of XXXX, that account shows a zero balance the month of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX had an extension agreement which means the account is reporting late payments that are invalid. On XX/XX/XXXX I received an additional dispute result pertaining to the same account with XXXX XXXX XXXX stating that account was updated attached below I have shown no updates being updated on this account through Experian. 
I have attached below all extension agreements and a copy from my XXXX account statement, showing a zero balance. The account balance that was reported to Experian which states XXXX but on XXXX transaction history shows XXXX. As of XXXX XXXX there is a {$0.00} balance.
Consumer complaint received 2021-03-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (NV)

My insurance company deemed my vehicle a total loss. A payoff check was issued by XXXX onXX/XX/2021February. It was never applied to my account, I was told it wasnt received. A check was reissued on XX/XX/2021. It was received by Bridgecrest onXX/XX/2021. I was told on XX/XX/2021 that it would take about 48 hours to post to the account. I called on the XXXX and was told to call today XX/XX/2021. I called today to follow up and this time I was told that they dont apply payoff checks to accounts until theyve cleared and that it should post by the XXXX. This doesnt make any sense at all. They have continued to report to all 3 credit bureaus and interest is still accumulating on the loan even though I was told it would not. I have sent multiple emails between mid XXXX and now without any resolution.
Consumer complaint received 2023-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (PR)

I switched carriers since XXXX was not capable and did not had the resources to provide services to XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX requested the final statement, yet. the company instead sent the balance to a collection agency which contacted me since before XXXX XXXX in violation of the Fair Debt Collection Practices Act. The company did not sent a final billing statement for charges, in violation of the XXXX XXXX Billing Act, and the debt collection agency never identified as such and made threats. The account was not even 30 days pending, the account was never refused to be paid, and was not paid on the moment of transferring the lines because the company was not capable of reproducing a billing statement. 

I am asking the agency to assume jurisdiction and apply all punishable measures by law to the company and its debt collection agencies.
Consumer complaint received 2023-03-04
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. (LA)

Please note that I am the author of this complaint and all attachments. 

The credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, XXXXXXXX automated responses. No real investigation was conducted after my initial dispute. 

The furnishers are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Consumer complaint received 2016-03-25
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I have submitted a complete mortgage modification application based on a material change in my financial circumstances and Wells Fargo Bank acknowledged receipt of my complete mortgage modification packet in XXXX XXXX, however since that time Wells Fargo Bank has not requested any additional documentation or sent out any decision. 
Civil Code section 2923.6 precludes the recordation of a notice of default where the borrower has submitted a " complete '' application for a loan modification on the first deed of trust, while the application is pending, or until the lender gives the borrower a written decision regarding the borrower 's eligibility for the loan modification. This section only applies to a first deed of trust on the borrower 's principal residence. If violated, the statute allows for injunctive relief to postpone a trustee 's sale and allows for a private right of action for damages, including attorneys ' fees, to the prevailing borrower for a violation. 
I have also never been contacted by a single point of contact and Wells Fargo Bank has not explored all foreclosure relief alternatives. Lender Compliance with Civil Code sections 2923.5 BEFORE notice of default can be filed, Civil Code section 2923.5 requires lender to contact borrower in default and " assess the borrower 's financial situation and explore options for the borrower to avoid foreclosure. '' Lender must attempt to make contact with " due diligence ''. The due diligence required is set forth in the statute. The CA. Homeowner Bill of Rights also provides that dual tracking protections can also protect homeowners who have been previously denied a modification, if the homeowner documents and submits a " material change in financial circumstances. '' I did submit a material change application with evidence of additional income and yet Wells Fargo has gone intentionally silent to preclude the ability to seek all foreclosure relief alternatives. 
Additionally, I have received XXXX curb appraisals from Wells Fargo Bank, XXXX in the amount of {>= $1,000,000}, and XXXX in the amount of {>= $1,000,000}. On XXXX XXXX, XXXX Wells Fargo sent out a 30 day notice to pay my past due amounts owed, or they would seek foreclosure. 
As a result I have been forced to accept a below appraised value offer on my primary residence in the amount of {>= $1,000,000}. 
Wells Fargo knows that any sale of my home will make any alleged beneficiary whole and yet they choose to foreclosure over the alternative to provide me with the ability to preserve my equity, and still be able to provide the beneficiary with a XXXX repayment, including all alleged arrears. 
I would like the CFPB to investigate this dual tracking issue, lack of due diligence issue, as I would like my SPOC to contact me to explore all foreclosure relief alternatives to avoid foreclosure, and be given more time to sell my home without being forced to seek State Law injunctive relief and Federal reorganization plans.
Consumer complaint received 2020-09-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (CA)

I written them a dispute letter to get verification on this matter. I believe I don't own them nothing due to the contract was fulfill on my part. They fraudulent reported this on my credit report and went out of business. And the collection company fraudulent put on my credit report wrong information and didn't respond to my letter written to them in XX/XX/2020. I written a dispute letter to XXXX and Sunrise Credit services on this dispute of incorrect and unverifiable information on my credit report. Neither company 's never respond by a written letter back to me. And I know my rights have been valeted due to section 611 on bases or incorrect and unverifiable information on this matter.
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (VA)

This issue is with Comenity Bank - XXXX XXXX XXXX  Credit Card I have attempted to fix this issue, three times. 

In early XX/XX/XXXX, I checked my XXXXXXXX XXXX XXXXXXXX credit card account as I have three purchases on the same card.

Purchase 1 - 12 Month Deferred Interest ( Expired XX/XX/XXXX ) Purchase 2- 18 Month Deferred Interest ( Expires XX/XX/XXXX ) Purchase 3 - Low APR 48 Months I checked the account balances to ensure that my deferred interest payments had been paid off and recalculate the amount owed on my automatic deduction. 

I located what I believe to be an error with my statements and payments, specifically how they are being applied. 

On my XX/XX/XXXX statement, I had a balance of {$220.00} that expired on XX/XX/XXXX. I immediately made a payment of {$220.00}, that was posted to my account on XX/XX/XXXX. I had assumed, that my payment of {$220.00} would go to pay of the balance of the 12 month deferred interest charge, but I saw on my XXXX statement that it did not. Additionally, because the payment did not go to that charge, I was charged {$180.00} in deferred interest on the account. 

I contacted Comenity Bank in XXXX to address this issue, and ensure that my payments were being applied towards the deferred interest charges first and then the low APR. They ensured me on that call that my payments would be adjusted correctly and that they would be refunding me the deferred interest. I was told that it would update on my next billing cycle. 

On XX/XX/XXXX, I checked my statements again and discovered that it was not corrected. Additionally, I discovered that I still had not paid off the remaining {$.00} on the 12 month deferred. To me, this has to be impossible since I pay significantly more than the minimum payment on the overall balance. 

I believe that Comenity Bank has chosen to allocate my money differently than I have asked in order to charge my accrued interest fees. On XX/XX/XXXX, I again contacted Comenity and was told that my money was now going to be allocated the correct way. I was also told that money goes to my highest interest, which is technically the Low APR charge. I explained that while technically that is correct, it is wrong. Because now that I am outside of my deferred interest on the 12 month, I am actually paying 29.99 % on that charge, and soon to be paying 29.99 % on the 18 month deferred. 

These concerns were looked into and then I was told that nothing additional could be done. I have expressed numerous times how I want my money to be allocated. Additionally, you have to call into Comenity because the options for allocation are not available online.
Consumer complaint received 2021-01-12
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. (PA)

This is Regarding Unauthorized hard inquiry left by XXXX on XX/XX/2020 after reach out XXXX and get letter stating that to remove this inquiry ask experian ASAP to remove it
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (PR)

I refinanced a loan with Wells Fargo and paid it off but last payment amount never sent to me, then they put a foreclosure on my home because the last payment was not sent. I rectified the problem with the company after getting the foreclosure. I called them and just gave them my last payment, but was angry and confused why the company would treat me like that. PS, I have a XXXX credit score...
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

There is a hard inquiry on my credit report reported by equifax. I disputed this hard inquiry by writing a letter and sending it certified mail to equifax on XX/XX/2021. Its has been over 30 days and It has not been removed yet. 
According to fair credit reporting act.
Consumer complaint received 2023-03-04
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, the below list of accounts has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX account # XXXX *XXXX XXXX XXXX account # XXXX *XXXX XXXX XXXX  account # XXXX *XXXX XXXX XXXX  account # XXXX *ALL PRIOR ADDRESSES LISTED ON FILE THEY ARE SHOWING *ALL PRIOR PHONE NUMBERS LISTED ON FILE THEY ARE SHOWING XXXX XXXX, AND EXPERIAN have violate

d my rights as a consumer and disregard to the laws set forth in FCRA. 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.

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 more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states ; a person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (NC)

Please reference CFPB Case : XXXX for prior details. 
& Goldman Sachs case : XXXX XX/XX/XXXX XX/XX/XXXX : After promises by Goldman Sachs, numerous times as for an explanation into the closure of my Apple Card account, no explanation, documents, emails or any other forms of communication besides a notice they would be sent has been made. Goldman Sachs has still proven they are unable to procure these documents. I believe the closure was by mistake and theyre unable to prove it was purposeful.
Consumer complaint received 2023-01-21
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. (TX)

Equifax is inaccurately reporting debt not belonging to me as a collection 3X, THREE Times for same amount. This account I am not aware of an it is appearing on my credit report three times for the same date and amount Equifax must correct this error and stop the inaccurate reporting of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Equifax must delete the duplicated reporting from my file.
Consumer complaint received 2022-10-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (IN)

I have been attempting to address this issue since XX/XX/XXXX. The following dispute revolves around a medical claim involving myself, XXXX XXXX, XXXX XXXX, and now the collection agency of Radius Global Solutions, LLC. I do not have any responsibility for the debt youre trying to collect. If you report it to a credit bureau ( or have already done so ), please report that the debt is disputed. 
On XX/XX/XXXX Radius Global Solutions, LLC validated the debt totaling {$130.00} as defined : XXXX for XX/XX/XXXX XXXX for XX/XX/XXXX I have attached the file Consumer Financial Protection Bureau as supporting documentation for my denial and claim for payment of {$25.00}. 

XXXX - {$350.00} TOTAL AMOUNT BILLED XXXX XXXX XXXX XX/XX/XXXX balance due of {$180.00} XXXX XXXX XXXX XX/XX/XXXX balance due of {$160.00} XX/XX/XXXX paid XXXX XXXX {$25.00} check XXXX based on XX/XX/XXXX XXXX XXXX XXXX Based on XX/XX/XXXX XXXX XXXX XXXX is overpaid {$25.00} due to my payment on XX/XX/XXXX. 

EOB Amt Billed {$160.00} XXXX XXXX EOB Payment for service was denied b/c " not a proven procedure '' and furthermore states a " Network provider may not bill you unless you gave written permission before you received the service. '' ****I have attached XXXX XXXX of the XXXX XXXX contract which states that XXXX XXXX may only collect payment for non-covered services if they first receive a written consent which includes an estimate of charges. 
I did not receive a copy of my written permission during Radius Global Solutions, LLC 's validation of debt. 
EOB Amt Billed {$100.00} XX/XX/XXXX Plan Discount {$100.00}, Allowed Amt {$0.00}, Plan Pd {$0.00}, Patient owes {$0.00} XX/XX/XXXX {$59.00}, {$50.00}, XXXX, {$0.00} EOB Amt Billed {$79.00} XX/XX/XXXX Plan Discount {$54.00}, Allowed AmXXXX {$25.00}, Deductible {$25.00}, Patient owes {$25.00} XX/XX/XXXX Plan Discount {$54.00} Allowed Amt {$25.00}, Your Plan Paid {$25.00}, Deductible {$0.00}, Patient owes {$0.00} Paid XXXX XXXX check XXXX {$25.00} XX/XX/XXXX XXXX - {$720.00} TOTAL AMOUNT BILLED XX/XX/XXXX XXXX XXXX EOB Total Plan Discount {$660.00}, Total Allowed Amt {$62.00}, Total Deductible {$53.00}, Total Plan Paid {$9.00}, Total Patient Owes {$53.00} Paid XXXX XXXX XX/XX/XXXX check XXXX {$53.00} I would appreciate a prompt response showing evidence that I am responsible for this debt, notice of debt cancellation, and/or reimbursement for the {$25.00} overpayment.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VI)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. It appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX  XXXX, XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX, WY XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX ; XXXX  XXXX XXXX XXXX, XXXX ; XXXX XXXX  XXXX : {$0.00} ; XXXX XXXX  XXXX XXXX : {$1300.00} ; XXXX XXXX  XXXX XXXX Balance : {$5500.00} ; XXXX  XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$7700.00} ; XXXX  XXXX XXXX XXXX Balance : {$7700.00} ; XXXX XXXX XXXX XXXX  Balance : {$230.00}.
Consumer complaint received 2023-03-04
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. (CT)

I have sent out NUMEROUS letters to the Following Credit Bureaus. XXXX, Experian XXXX XXXX, ALL DATES OF MAILING ARE ON THE LETTERS. After waiting months upon months, I have not heard from nor gotten ANY RESPONSE, in ANY FORM. I have sent letters I have called and have waited MANY MONTHS. I need ALL INACCURATE information removed from my credit report. They have failed in every way possible of servicing me as a consumer and I am losing all faith in the credit reporting process. I will be reaching out to a consumer protection agency very soon and plan on taking these agencies to court if my investigations are not completed! I want all of my accounts that have FRAUD RELATED PAYMENT HISTORY, UPDATED AND REVERSE TO ON TIME OR PAID AS AGREED & I ALSO WANT THESE FRAUD COLLECTIONS ON MY CREDIT REPORT REMOVED IMMEDIATELY! I was never notified about these accounts nor have the accounts been updated to currently in dispute. I have someone else 's information reporting on my file and nothing has been done to ensure my report is 100 % accurate or factual which is against the law! This is unconstitutional and a Grave violation of my consumer rights! I am a natural person and know my rights my attached letters will prove these claims!
Consumer complaint received 2015-11-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (IL)

I am protected by chapter XXXX bankruptcy from having creditors report me as late or showing a balance that is inaccurate. on my experian credit report XXXX accounts, XXXX are shown as reporting late payments and balance due. The accounts in question both note that I am a chapter XXXX wage earner. these accounts are reported correctly on my XXXX report but are not accurate on experian or XXXX. Per my bankruptcy confirmed in XXXX 2013 both of these accounts are included and should be reporting no late payments and XXXX balance. I have made all my bankruptcy payments on time to my trustee and i believe that this is a violation of the fair credit reporting act. This is causing an issue. i am trying to get an fha streamline loan and this inaccurate information is preventing me from moving on with my credit recovery.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VI)

On XX/XX/2023 I submitted a dispute to transunion about three accounts on my credit report which was in accurate. XXXX, XXXX XXXX personal loan and XXXX XXXX 
I asked to verify that XXXX and XXXX XXXX are not my accounts and provide me with documentation. Transunion has not verified the accounts nor sent me the results.