davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-07
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. (VA)

I do not know where to start with this account. This Account is incorrect, inaccurate and inconsistent, this item has 2 different Dates open - 3 Dates of last Activity that do not match on all 3 bureaus - 3 different Dates it was Last reported - 2 Different Dates of last payment and shows a balance and past due balance which is inevitably affecting my Debt to credit ratio. A inconsistent High Credit limit on all 3 Bureaus. A High credit limit of {$9700.00} on XXXX  but Experian shows no credit limit ( {$0.00} ) While XXXX  shows {$9700.00}. The credit limit of {$9700.00} and {$9700.00} is questionable at best - Reason being is because the credit given to me originally was {$9200.00} its not as if they ever gave me additional credit for a water pump or I Added an additional {$580.00} - So this addition of {$580.00} was never credit it could have been a charge that occurred due to the account being charged off Which is not credit. 

This Account also does not comply with the metro 2 reporting requirement - CHARGE OFF should be coded under " OTHER '' or " O '' not as a REVOLVING ( " R '' ) account. 

The ARGUMENT I CONTEND is that this MISAPPLICATION of the proper Account Type creates a DECEPTIVE REPORTING DEROGATORY and in effect MIS-REPRESENTS the consumer 's TRUE CREDIT UTILIZATION RATE! See, for a " O '' mark, the AMOUNT of debt would NOT MATTER as a $ XXXXdebt would be EQUAL the negativity weight as a $ XXXXdebt ( given ALL OTHER aspects similarly reported that is such as age ). 

However, misappropriating a CHARGE-OFF under the " R '' type for REVOLVING as opposed to " O '' for OTHER as it should be allows for the AMOUNT of the debt to matter DRASTICALLY where a $ XXXXdebt would have near zero effect on the consumer 's CREDIT UTILIZATION RATE whereas a XXXX DOLLAR DEBT would SIGNIFICANTLY XXXX that client 's CREDIT UTILIZATION RATE there also SUBSTANTIALLY and NEGATIVELY more effecting the DEPTH OF THE DEROGATORINESSES of the reported claim ( s ). 

If you don't comply with the Metro 2 Reporting Standard which is the responsibility of every creditors thats uploads an account to a credit report, How can i trust that you comply with anything else?
Consumer complaint received 2021-06-20
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. (OH)

The account named XXXX XXXX XXXX  was a part of a bankruptcy XX/XX/2018. Over three years ago. And still has continued to report inaccurate negative information on my credit report. the company XXXX XXXX has accurate records of the bankruptcy as it shows as a flag to the credit report shortly after the filing of the bankruptcy. Yet continues to ignore bankruptcy laws and violate my consumer right to fair reporting. Experian has allowed this account/business to report negative information for over three years and continuing to this day. I have disputed this first premier back report multiple times over even going as far as providing proof it a part of bankruptcy years prior. I demand Experian remove this account and all of its inaccurate reports from my credit report ASAP Experian has even went as far as changing the original name of this account ( as I previously reported ) Experian has been unfairly reporting a lot of inaccuracies on my credit file for over three years and refuse to make this right causing my credit score to suffer. Experian will pay damages for what has been done if things cant be worked out fair and my scores and report wont be compensated by reaching out demanding it be made right and ASAP I have suffered long enough, over three years and placed in a certain category, denied and charged higher fees and rates. Experian deserves to be sued in the court of law!
Consumer complaint received 2020-04-07
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 do not know where to start with this account. This Account is incorrect, inaccurate and inconsistent, this item has 2 different Dates open - 3 Dates of last Activity that do not match on all 3 bureaus - 3 different Dates it was Last reported - 2 Different Dates of last payment and shows a balance and past due balance which is inevitably affecting my Debt to credit ratio. A inconsistent High Credit limit on all 3 Bureaus. A High credit limit of {$9700.00} on XXXX  but XXXX  shows no credit limit ( {$0.00} ) While Equifax shows {$9700.00}. The credit limit of {$9700.00} and {$9700.00} is questionable at best - Reason being is because the credit given to me originally was {$9200.00} its not as if they ever gave me additional credit for a water pump or I Added an additional {$580.00} - So this addition of {$580.00} was never credit it could have been a charge that occurred due to the account being charged off  Which is not credit. 

This Account also does not comply with the metro 2 reporting requirement - CHARGE OFF should be coded under " OTHER '' or " O '' not as a REVOLVING ( " R '' ) account. 

The ARGUMENT I CONTEND is that this MISAPPLICATION of the proper Account Type creates a DECEPTIVE REPORTING DEROGATORY and in effect MIS-REPRESENTS the consumer 's TRUE CREDIT UTILIZATION RATE! See, for a " O '' mark, the AMOUNT of debt would NOT MATTER as a $ 1debt would be EQUAL the negativity weight as a XXXX XXXX  ( given ALL OTHER aspects similarly reported that is such as age ). 

However, misappropriating a CHARGE-OFF under the " R '' type for REVOLVING as opposed to " O '' for OTHER as it should be allows for the AMOUNT of the debt to matter DRASTICALLY where a XXXX XXXX  would have near zero effect on the consumer 's CREDIT UTILIZATION RATE whereas a XXXX DOLLAR DEBT would SIGNIFICANTLY XXXX that client 's CREDIT UTILIZATION RATE there also SUBSTANTIALLY and NEGATIVELY more effecting the DEPTH OF THE DEROGATORINESSES of the reported claim ( s ). 

If you don't comply with the Metro 2 Reporting Standard which is the responsibility of every creditors thats uploads an account to a credit report, How can i trust that you comply with anything else?
Consumer complaint received 2021-06-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (CA)

I have an existing mortgage with New Rez. I applied for a refi to get a lower interest rate XX/XX/2021. At that time I had also applied for the same refi with my credit union who offered me a lower interest rate. New Rez said they would give me the same interest rate if I stayed with them. I agreed to continue the refi with New Rez because my current mortgage is with them and I thought the process would be less problematic. To this date XX/XX/2021 New Rez has not finalized the refi and continue to find reasons not to close by asking me for documentation I've already given them : XX/XX/XXXX New Rez requested my pension statement : I gave them the pension statement and income in the beginning of the refi and when I purchased the property. New Rez ask for information on other properties I own and I have sent them everything and they're asking for it again. It's become redundant and irritating.
Consumer complaint received 2021-06-20
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: ALLY FINANCIAL INC. (IL)

My info was stolen ally financial has several hard inquiries that Ive been fighting to get off my report please help the dates are XXXX XXXX. 2.XXXX XXXX 3.2 XXXX XXXX 4. XX/XX/2020 if these could be removed after back and forth with the company no one speaks XXXX just remove wasnt me .. Ive since put fraud alert on
Consumer complaint received 2020-04-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: TD BANK US HOLDING COMPANY (NJ)

I called TD bank to tell them that Im in the XXXX XXXX regarding The coronavirus. I asked for a supervisor to give me a call on my cell phone nobody. I was harassed by XXXX ID number XXXX. He called on Tuesday, XX/XX/XXXX. I talk to an agent on Friday she told me a supervisor call me within XXXX to XXXX  hours on my cell phone. TD Bank is the worst bank incompetent people. Im on the front lines dealing with this virus and Im being harassed by then they do not care about whats going on in this country in the front line people that are in XXXX
Consumer complaint received 2020-04-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

It appears BOA has closed my account ( s ) which were recently opened, I attempted to sign in today, XXXX, an error message stated my info was not recognized, an attempt to sign in made via mobile app and was given the number, XXXX to call ... I called and no reps were available, no hours of operation were left.. I suspect BOA closed my accounts due to past relationship, I had several past accounts with BOA, last one closed in 2009 I believe.. Since I was not able to speak with any rep ( s ) to confirm this, I can only suspect they elected to close account due to past history.. If that is the case, I will need a check for remaining funds in account, a total of {$5.00}
Consumer complaint received 2021-06-20
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: CREDIT ACCEPTANCE CORPORATION (TN)

I paid off my car loan with CREDIT ACCEPTANCE CORP Account XXXX the dealer offer me a settle offer & i agree to pay off the loan. The following month after the car was paid off sum reason my credit file was incorrect. Credit acceptance sent me a letter that's says the car is paid in full but on my credit report it says, Account paid in full for less than full balance which that appears on all 3 my credit reports. i can not get a car loan with this incorrect accounts that on my credit report also this so call miss payment also. i have all my letter from Credit Acceptance its not making any sense why this showing a charge-off or paid for a less amount Credit acceptance agree on this pay off not me so i sent them the pay-off payment so this shouldn't be a bad account on my showing on my all 3 of my credit file. I call all 3 credit companies about this issue so many times & they will not fix this account at because Credit acceptance will not update the remarks show as a good account & paid & full & the miss payment delete off. Its not making any sense why would a company agree on a {$1400.00} payment to payoff this loan. All PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE WILL NEVER MISS A PAYMENT ON THIS LOAN. 15 USC SECTION 1692 ( g ) REQUIRES VALIDATION OF DEBT REQUIRING A DUTY TO RESPOND AND FAILURE TO RESPOND IS EQUATED WITH FRAUD. This was a joint account my wife name also on this account XXXX XXXX this also damage her credit file.
Consumer complaint received 2020-04-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Emails USAA RESPONSE UPON REQUEST XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX from me ( XXXX ) XXXX TO NO AVAIL***. USAA ACCESSIBILITY IS A JOKE. USAA IS VERY CRUEL. 35 YEAR XXXX MEMBER ABUSED. USAA ACCESSIBILITY COORDINATOR OPERATIONS. Email above XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX RESPONSE FOR MY CRY FOR HELP TO REPORT FRAUD IFTC ID.THEFT case XXXX. IS : *** " Thank you for contacting usaa. This email is for individuals with XXXX '' PERIOD NO ASSISTANCE FOR THE XXXX. XXXX USAA DENIED MY RIGHT TO REPORT ID THEFT FRAUD MAIL FRAUD XX/XX/XXXX - XX/XX/XXXX *** Three other companies have denied me credit due to USAA. NOT RESOLVING FRAUD. see attatched XX/XX/XXXX USAA FRAUD LETTER FRAUD CLAIM DATE XX/XX/XXXX {$470.00} ** Took a year to complete investigation of fraud XX/XX/XXXX. Letter XX/XX/XXXX states UNAUTHORUZED TRANSACTIONS {$470.00} temporary credits are made permanet a year later. ** THERE ARE NO TEMPORARY CREDITS TO MAKE PERMANET IN XXXX. NO NOTICE OF UNAUTHORIZED TRANSACTIONS I REPORTED XXXX, XXXX, XXXX, XXXX XXXX OR XX/XX/XXXX. USAA HAS IGNORED MY REQUEST FOR ASSISTANCE FOR MY SEVERE HAND XXXX TO REPORT FRAUD. USAA PERMANET FRAUD CREDITS NEVER PROVIDED. ** I HAVE NO ACCESS TO MY ON LINE ONLY BANKING. XX/XX/XXXX usaa gives me NO ACCESS WHEN I PHONE. My call password used to get me access. Today USAA DEMANDS I pay to have neighbor read my texts and write numbers down for me so I can repeat them to gain access. MY HANDS CAN NOT DO TEXT EMAIL VERIFICATIONS. Due to virus USAA calls me back at my phone number they send texts to verify it is me?? They returned a call to this text phone number so?? Huh?? Why doesn't that verify WHO THIS 35 YEAR MEMBER IS??. IT IS THE SAME PHONE NUMBER? CRUEL CRUEL ABUSE OF POWER NO ACCESS FOR XXXX. MY EXCELLENT CREDIT SCORE DESTROYED BY USAA.
Consumer complaint received 2021-06-20
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. (NV)

medical agencies reporting collection accounts on my report and this information is not valid should be removed they are in violation of FCRA information is not valid XXXX  Credit bureau Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$2100.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1500.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1000.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1000.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$540.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1500.00}
Consumer complaint received 2021-06-20
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. (NV)

medical agencies reporting collection accounts on my report and this information is not valid should be removed they are in violation of FCRA information is not valid Transunion Credit bureau Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$2100.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1500.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1000.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1000.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$540.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1500.00}
Consumer complaint received 2021-06-20
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. (NV)

medical agencies reporting collection accounts on my report and this information is not valid should be removed they are in violation of FCRA information is not valid XXXX  Credit bureau Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$2100.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1500.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1000.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1000.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$540.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1500.00}
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background (PA)

I got XXXX  in XX/XX/XXXX in XXXX County Maryland for XXXX XXXX XXXX XXXX ( XXXX  ) after my XXXX  I got XXXX  to 3 days in XXXX County XXXX  XX/XX/XXXX-XX/XX/XXXX. Upon my medical evaluation entering XXXX the doctor said " you lost a lot of weight '' Ends up there is another gentleman with the exact same social security number and birthday in Maryland. I did two background checks for new employment ( Accurate ) They got this other gentleman 's charges in XX/XX/XXXX incorporated with mine. It took Accurate 10 days to try to figure it out and they still screwed it up. Needless to say I didn't get the job. I need help fixing this so I can get a Job. Thank you.
Consumer complaint received 2021-06-20
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 — Problem with personal statement of dispute
Company: Conn's, Inc. (TX)

Agreement was made to remove from credit report when final negotiations of payment which both parties were satisfied. Using almost scare tactics to cause me to settle or lawsuit would be brought against me. Settled with the agreement on amount and removed from credit report.
Consumer complaint received 2020-04-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FORD MOTOR CREDIT CO. (NV)

Ford Motor Credit has violated my rights as a consumer. 

I want to request the cfpbs help because I dont know what else to do. 

This company has commited multiple violations to the Fair Credit Reporting Act, and nobody is doing anything about it. Please see the following violations they have committed : 1. Failing to investigate account after receiving my dispute notice. 
2. Reporting incomplete information.

3. Different report across bureaus.

Please send the attached documents to Ford Motor Credit.

Thank you so much.
Consumer complaint received 2022-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Hello, I had a debit card sent to my house in my name. I did not open an account. I reached out to the company and had it closed however they asked me to email this as well. Thank you.
Consumer complaint received 2022-12-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (AL)

I have never received any notification regarding this alleged debt they say I owe. I check my credit and a collection account appears on my credit file. I have sent a validation notice, yet I have not since received any responses with their method of validation or any validation at all. Please explain how you're reporting this account as meeting FCRA guidelines? The letter sent is attached requesting validation and If you can not provide me with this information, then please delete this account from my report.
Consumer complaint received 2016-05-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (WI)

In XXXX I took a mortgage out with XXXX XXXX bank, in XXXX we fell on hard times and needed to refinance to get some money to pay my sons health care bills. CitiFinancial gave us a new mortgage where we took out XXXX. The interest rate was high but we needed the cash. When the housing market crashed we were in the position where I could not refinance to lower rate sue to the house being upside down. I struggled for many years and eventually had to file for bankruptcy. I get the house through this process. Then I had questions about home modification a few years after this, they told me that I had to wait till I was late on payments for three months before they would look at a modifications. So I did this. They said I was approved for modification, when I asked the terms they said they changed my rate from 8.125 % to 8.004 % and then took all the late payments and fees and put that in the end of the loan. I said that was not a modification, they said take it or leave it or they would foreclose on the property. So now I have a property that is even more upside down, they wont tell me who the investors are, the loan is not federally backed and I am in a position now as a single father where I cant sell my home, re finance or get a modification as they will not work with me.
Consumer complaint received 2020-04-07
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6000.00}, {$1100.00}, {$1200.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX  XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616,  and pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- CLOSED ACCOUNT -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 


-- AUTO ACCOUNT -- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.