davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-04
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 — Investigation took more than 30 days
Company: Consumer Portfolio Services, Inc. (NC)

On XX/XX/2018, and XX/XX/2018 I certified mailed your company a letter to validate and confirm verification of this debt and its inaccurate reporting on my credit file, CPS has failed to respond within 30 days. Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. 

In addition, CPS you are reporting Acct # XXXX on my credit file but then forward me letters with a different account number # XXXX. All are inaccurate. 

Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is 100 % correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly and belong to XXXX, XXXX. Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2021-11-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (AR)

My name is XXXX XXXX, my complaint ID number is XXXX. And my complaint is with select portfolio service, mortgage company earlier this year I was approved for a hardship loan around XXXX or XX/XX/XXXX. And They took the loan back because I was XXXX days late to get a paper signed and returned to them, I told them that I was in the hospital is the reason why, I couldn't help that I had to go into the hospital I have XXXX and they are trying to force me to redo all the paperwork I really need help. Iam truly having hardship, every since XX/XX/XXXX work had slowed down for me and it made life very hard because of XXXX, whoever this complaint please have mercy, if you only knew what it is like to be living in fear uncertainty sleeplessness
Consumer complaint received 2021-11-19
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have sent debt validation letters and dispute letters to PORTFOLIO RC and all XXXX credit bureaus in regard to a debt in the amount of {$440.00}. They are reporting inaccurate information on my credit report. The last active is off by a year between all three bureaus. According to XXXX XXXX XXXX XXXX a consumer has the right to dispute inaccurate information found on their credit report. The bureaus have only responded saying the account is verified.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Dear CFPB, I am the owner of a XXXX XXXX in the state of Georgia. I am in dire need of refinancing to be able to keep my business alive. Upon checking my credit report I saw that there are late payments on some credit cards on my profile. These late payments are not accurate as I have not been late. I have managed my credit for well over XXXX years and I am hurt to see that these late payments have been so detrimental to my credit score. 

I ask that you please enforce the bureaus to do a through check of the information that so that these late payments can be updated as accurate. This is a billing error and a violation of US 15 1666B. XXXX XXXX continues to report closed collections on my profile as well. These should not be there and I demand that they are removed immediately. 

I will be attaching my dispute letters and my information to identify that it is me who is requesting this.
Consumer complaint received 2019-02-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (NM)

There was a {$750.00} promotion to open a new HSBC Premier checking account if you funded {$100000.00} in new money. 

Prior to XX/XX/2019 I have never had an HSBC account. I opened the checking account in mid XX/XX/2019. After applying for the checking account I applied for a HSBC savings account. Once the checking account was approved I transferred in two amounts of {$1000.00} on XX/XX/XXXX and {$100000.00} ( XX/XX/XXXX ) to complete the requirements. Once the money was transferred into my checking account I then transferred it over to my HSBC savings. I have maintained those balances since those initial dates. Please see the attached screen shots for the transfers. 

The terms of the promotion state : " Deposit a minimum qualifying balance of {$100000.00} or more in new money in combined checking and savings accounts within 30 calendar days of account opening '' " Maintain at least the minimum qualifying balance for 90 days from the date you deposited the minimum qualifying balance '' To confirm that the promotion was satisfied I called in on XX/XX/2019. Upon calling in I was informed that my checking account was closed in error. However I was also informed that I was not eligible for the bonus and was not given a reason why. Since the checking account was closed I do not have record to the account number anymore.
Consumer complaint received 2022-11-27
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. (CA)

I have disputed the same issue with all 3 credit reporting agencies for the past 6 months dating back to XX/XX/2021 on an error that was not made by my own doing. There are late payments reporting 14 of the 16 student loan accounts I have. I have asked them to verify the information they had with 100 % verifiable proof twice and all I received were automated responses that were generated from the E-OSCAR system they use to automatically verify an account which is a violation of the FCRA. By law the information that they are reporting " SHALL, '' meaning MUST by LAW, report 100 % accurately. Here are reasons as to why they are inaccurate : 1. ) They failed to include the transaction history within my credit report with each delinquent account on my credit report which violates 15 UNITED STATES CODE LAW 1681a ( 2 ) ( B ) " EXCLUSIONS FROM A CONSUMER REPORT '' 2. ) Dates of delinquency are reporting inaccurately across all 3 agencies. If a furnisher is reporting information to each bureau, they all SHALL report the same. 
3. ) Failure to notify me of delinquency within 21 days of delinquency which is a violation of 15 UNITED STATES CODE LAW 1666B I've asked the bureaus to provide complete and maximum possible accuracy of this issue and still received an automated response of them items being verified which means they are now intentionally reporting these inaccuracies on my credit reporting after being made aware of the errors.
Consumer complaint received 2021-11-19
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: Experian Information Solutions Inc. (NY)

The date of the late payment is XX/XX/2018 where I am marked for a 90 day late payment. I have never missed a late payment and XXXX has cleared the remark but readded the late payment when I never had a late payment and it should be removed. Also, with Experian they refuse to honor the holder of the loan DEPT OF EDUCATIONXXXX where I have not missed a late payment and refuse to give me a reason or response as to why this 90 day late payment is still on my report and it should not be. I am trying to qualify and get a house and this is severely hurting and impacting my credit to where I can not get a house for a late payment that I did not miss. I am sick and tired of dealing with this and I need to see this 90 day late payment from both XXXX and Experian removed that I did not do!
Consumer complaint received 2023-02-21
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)

XXXX XXXX is reporting a late payment on my account for XX/XX/2021. Under the cares act, there should be no late payments reported at all because I was affected by covid. 


Please see letter attached!
Consumer complaint received 2023-02-06
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 called theXX/XX/XXXX/Experian after I purchased a credit report with Experian on XX/XX/2023 and XX/XX/XXXX on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an Account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/2023. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that thisXX/XX/XXXXXXXX Late payment 30 days late will be removed.
Consumer complaint received 2021-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I deposited a check for {$3100.00} into the ATM deposit center XXXX and XXXX  location here in XXXX, TX on XXXX XXXX about XXXX o'clock central time. The check was made out to me ( XXXX XXXX XXXX for a loan that i had agreed on over the phone with XXXX XXXX thinking it was a real loan company and gave him all my banking info., XXXX XXXX SS #, home address and received a FedEx overnight check at my doorstep so i deposited it in my account. Then 5 days later XXXX XXXX i logged into my BofA XXXX XXXX and was prompted to call the BofA risk department. I was told that day my account was on freeze and they couldn't tell me why. I continued to search for an answer and no banking center in XXXX could tell me anything of the reason for the freeze. I called the number on the check to confirm if this check was even legit and found out it wasn't. It was a fraudulent check through the company on the heading. I continued to look for an answer but didn't get anywhere with anyone 's help through the phone and in the banking centers. My direct deposit went in on XXXX XXXX and i am yet as of tonight to being able to withdraw my funds. I have bills to pay with my SS Check and this BofA ( Bank of America ) is making it difficult and has my anxieties, XXXX to the roof! Please help me get this straightened out so i can move on with my life!! Thank you so much!
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/ I applied for the Chase Sapphire Preferred credit card and was denied. On XXXX XXXX XXXX I was mailed a letter stating that my credit card application was incorrectly denied. I was informed that I could re-apply, but my credit would be ran again. I would not want that to happen, so I mailed them a dispute letter, a copy of the incorrect denial application, and my credit report. Chase has yet to respond about my mail and I had to call about XXXX people that work at Chase only for them to not even give me an answer about what the correct decision was supposed to be about my credit card application.
Consumer complaint received 2021-11-19
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and XXXX XXXX XXXX completely from my Credit Report : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX & XXXX XX/XX/XXXX Equifax XXXX FI XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax
Consumer complaint received 2016-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MD)

For a while now, I 've disputed XXXX account balance with Equifax several times. The dispute was based on the account balance of {$0.00} and changed to {$27000.00} about XXXX year later, which is misstating the balance due and a FCRA violation. 

I contact XXXX and they state, " While Ally furnishes information to the credit reporting agencies, it is the credit reporting agencies responsibility to accurately reflect that information on your credit report ''. If this is true, why was a {$0.00} balance reflecting on my credit report for XXXX?
Consumer complaint received 2021-11-19
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. (GA)

I was a victim of identity thief, I old roommate made purchases on my card while I was undergoing XXXX. He made unauthorized charges in which XXXX did not notify me instead start reporting negative items to the credit report. XXXX also sold my account and gave up all rights on this account. The company that took over this account and XXXX both agreed to have this account completely remove from all three credit bureaus and currently the account is still reporting on all three bureaus. XXXX a protected veteran and if this account is not completely removed from all three bureaus I will file sue against XXXX for allowing fraudulent unauthorized charges to be made and negative impacting of my credit file. The agreement was this account would be removed from all three credit bureaus. Equifax, XXXX and XXXX have all agreed to remove it as long as they got request from XXXX
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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.

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 inructions 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 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

On XX/XX/XXXX I called XXXX to settle a charged off XXXX XXXX credit card account. They informed me I had to call XXXX XXXX XXXX as they were handing the account. On XX/XX/XXXX I called XXXX XXXX XXXX to settle the XXXX XXXX credit card charged off account. The balance owed was {$3200.00}. I was offered a settlement of a one time payment for {$1700.00}. I accepted the settlement offer and made my payment directly over the phone for {$1700.00} on XX/XX/XXXX I received a verification letter to my email from XXXX XXXX XXXX before I was off of the phone call. On XX/XX/XXXX XXXX reported a payment of {$1700.00} with a balance of {$1400.00} remaining. I disputed this with Experian on XX/XX/XXXX. I provided the settlement verification letter. This letter includes the account information, original amount owed, the settlement offer, stated that XXXX XX/XX/XXXXwas granted the authority to do this and will report it to my creditor, and payment confirmation. On XX/XX/XXXX will remain on my credit report as XXXX certified to Experian the information was accurate and the item was not changed.
Consumer complaint received 2021-11-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP (OH)

I received a letter offering a refinance on my home. I called and started talking to the loan officer in XX/XX/2021. I applied for a loan in XXXX in writing online with Intercontinental XXXX XXXX. They provided a disclosure form with " worst-case scenario '' numbers that I had to sign stating I received this form. They had me submit several documents online to their portal with all my financial information. All was good. Credit score very good over 800. Was told in early XXXX I was "??? approved. They have changed the loan closing document several times, usually adding fees, reducing credits, increasing the current loan payoff, and increasing the new refinance loan amount. I have continued to make my current mortgage payments on time so the current loan payoff is decreasing. They notified my home insurer and had them change my policy to include them on the insurance policy, and they contacted a closing company to perform the closing. The insurance company and closing title agency have notified me about the process being completed. It is now XXXX and still no closing. The last communication was when this company tried to add fees to the loan for the delay and it is they that are delaying the process. I have called and emailed several times to the ( now new ) loan officer. Also, I have called and emailed several times to the loan processer person. I have also emailed their supervisors several times. I have written to the customer service department email twice. The title company has also tried to contact them On all of these attempts for communication and or resolutions, I don't even get a response. I want them to fulfill the loan I applied for. This has gone on for way too long. I am beginning to think they made a false promise to make me a loan. Maybe they are selling all my personal financial information. I don't understand why they would lie. They have not completed the loan
Consumer complaint received 2021-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2021, I pulled up a copy of my credit report and notice unauthorized hard credit inquiries on my credit report. 
I then proceeded to call the credit reporting company to have that inaccurate information removed. They then told they cant do so and that I have to dispute it through the mail.
Consumer complaint received 2015-07-21
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (TN)

I received a notice from XXXX that XXXX XXXX Banking at XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX inquired on my credit report on XX/XX/XXXX however, I never granted them permission. This shows as a soft pull but I still feel it 's a violation. They were included in a Chapter XXXX BK I filed in XX/XX/XXXX and feel that they are " checking up '' on me. They were very nasty to me when they found out I filed Chapter XXXX back in XX/XX/XXXX and I am positive I have not given them permission for any credit pulls since then.
Consumer complaint received 2024-02-17
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. ()

Im sending to you to follow up that I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an id theft report. Please find the required documents to assist in the removing the erroneous inforitems ation which are being posted in my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-06
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)

XXXX, is reporting my account for the month of XXXX, 2019 90 days late on my XXXX, consumer report and a 120 days late for the same time on my XXXX, Experian consumer report. This error is causing the student loan accounts to report negative.