davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AR)

XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report. According to my credit report, the following accounts are listed as negative items : XXXX XXXX XXXX XXXX Late Payment Account XXXX  XXXX XXXX XXXXXXXX Late Payment Account XXXX XXXX  XXXX XXXX Late Payment Account Medical XXXX Collection Account XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX Charge Off Account XXXX  XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX  XXXX XXXX XXXX Collection Account I dispute these items as inaccurate and not reflective of my creditworthiness. I believe that the information on my credit report is incorrect and unfairly damaging my credit score. I request that you investigate these items and remove them from my credit report if they are found to be inaccurate.

I would also like to remind you that the Fair Credit Reporting Act ( FCRA ) requires credit bureaus to report only accurate and complete information. If the items I am disputing are found to be inaccurate, incomplete, or unverifiable, I expect them to be removed from my credit report immediately.

LAWA : Fair Credit Reporting Act ( FCRA ) Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-09-28
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (TX)

We closed on the sale of our home on XX/XX/XXXX. We are owed an escrow refund in excess of $ XXXX and when I called I was told it was issued to our new address ( verified 3 times ). After 3 weeks of no check, I contacted them to request another form of payment, and verification it wasn't deposited, required on their side, I understand. I called again to have someone update me when it would be reissued. Today they said the escrow balance is still in our account and it would take another 15 days to request a re-issued check. I've received several pieces of correspondence from the bank that the loan has been paid in full and it's been satisfactorily recorded/lien released. 

I also married and changed my name after I had my account for a year. I received correspondence in both my new name and former name for 3 years and after several calls was told the data couldn't be reconciled in their internal IT infrastructure.
Consumer complaint received 2021-01-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (CA)

I signed a retainer agreement with law firm for loss mitigation on 1st mortgage with XXXX  XXXX XXXX and second mortgage owned by XXXX  XXXX XXXX acquired through XXXX XXXX  between XXXX and XXXX. XXXX  XXXX XXXX failed to modify our second mortgage and in XX/XX/XXXX offered us a settlement between {$75000.00} and {$78000.00}. We were not able to come up with the cash and in XX/XX/XXXX, XXXX  XXXX XXXX offloaded the mortgage to Planet Home Lending. 
The above information was shared with XXXX XXXX law and they offered to assist. Total payments made to the law firm was {$3100.00} as follows : XXXX XXXX {$490.00}, XX/XX/XXXX {$710.00}, XX/XX/XXXX {$420.00} and XX/XX/XXXX {$1500.00}. 

I requested for document submitted on my behalf by the law firm and the written response they received and they could not provide any of the requested documents. 

Planet Home lending is now threatening to foreclose and force a sale of my home. Documents filed on behalf of Planet Home Lending by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX is attached
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

After a having a look at my recent credit report I noticed that TRANSUNION, XXXX  XXXX XXXX  are reporting I was late paying my XXXX credit card ( XXXX - XXXX XXXX ) for the month of XXXX and XXXX. There is also a report of me being late on my XXXX XXXX credit card ( XXXX ) on XXXX. I have always paid these accounts on time and I have never been late! If anything there is a chance that my payments did not clear by the statement date and if I was late, with the pandemic and lots going on with my family 's health, I innocently forgot to make a payment. 

I've never received a reminder for my payment or any notifications for a past due amount which I was unaware of. I also tried to reach out to the creditors mentioned above to rectify my concerns but was unable to to get in contact by phone or mail. I also sent dispute letters to the credit reporting agency and received no response so I had no other choice but to file a dispute with the CFPB. 

This is such a disappointment in our credit system that the bureaus will treat consumers like this, even with the pandemic going on, I expected some sort of system in place. I have a family to provide for and need a loan to help pay for our basic human necessities
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/2023, over 30 days ago I sent you a dispute letter and I believe I was to supposed to get an update or notified of the status but I still haven't recieved any response as yet. I believe this is a violation and punishable by law. I am aware that the CRAs are required by the FCRA to comply with consumer disputes and I learn from people online that I need to file a complaint to CFPB, XXXX, and the Office of the Atty General if did not I receive appropriate response.
Consumer complaint received 2023-03-03
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)

I recently reviewed my credit file and unfortunately found incorrect information that I have previously disputed with the Credit Reporting Agencies. They have failed to verify the numerous inaccurate accounts and information listed on my credit report. Under the FCRA 15 U.S.C. 1681i all unverified accounts must be promptly deleted. 
XXXX XXXXXXXX ( XXXX ), ( XXXX ), ( XXXX ) XXXXXXXX XXXX ( XXXX ) XXXX  ( XXXX ) XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX  ( XXXX )
Consumer complaint received 2021-01-12
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. (MO)

I had a student loan for over 7 years and for over 7 years I have NEVER SEEN MY REPORT WITH 16 OUTSTANDING LATE PAYMENTS because I always handle whatever the company needed from me before tax time. Now the debt has been closed and given to the government to pay I asked several times, trough a goodwill letter to remove the bad remarks from my profile and stop reporting the account inaccurately and wrongfully. The account has been closed since XXXX of XXXX but the reports of bad payment started XXXX of XXXX up until now XXXX of XXXX that's 14 late payments wrongfully on my report. Please remove this I have closed the debt to move and this is putting even more hardship on me during the pandemic
Consumer complaint received 2020-10-04
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: EQUIFAX, INC. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nj XXXX | DOB : XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof,
Consumer complaint received 2023-02-09
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. (IL)

I disputed this account with credit acceptance with the CFPB back in XXXX and they told me via the cfpb that they requested this account be removed in 60 days, but its XXXX and it is still reporting!
Consumer complaint received 2023-05-26
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)

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.

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX FL XXXX Account Number : XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX  Account XXXX has violated my rights. Or list of inquiries 1

5 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.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2023-03-03
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. (PA)

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. 

Account name : # XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681.c ( a ) ( 5 ) Section States : no consumer reporting agency may make consumer reporting containing any of the following items of information. Any other adverse item of information, others than records of convictions of crimes which antedates the reports by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I bought tickets to XXXX XXXX on XX/XX/XXXX. They were floor seats and I was so excited, then they changed my tickets from floor to standing, so they could get more people in. So we sold the tickets but due to covid, she kept pushing the concert date back. Many of our other tickets to see other performers were giving the money back but not for the XXXX XXXX concert. XX/XX/XXXX, I was charged for the insurance of the tickets by XXXX XXXX of {$25.00} and then on XX/XX/XXXX, I was charged {$350.00} for the tickets for the XXXX XXXX concert. 

On XX/XX/XXXX, I received an email from XX/XX/XXXX stating that the concert was cancelled. On XX/XX/XXXX, I received another email from XXXX stating that my refund was processed and I should see the money in my account in 5-7 business days. On XX/XX/XXXX at XXXX XX/XX/XXXX I called Wells Fargo to start a claim since I had not received my refund. The gentlemen told me that it would take 10 business days to refund my money and gave me my claim number of XXXX. 

Monday, XX/XX/XXXX, I still had not received my refund so I called again to see the status. XXXX at XXXXXX/XX/XXXX at this time told me that she was the only one who has worked on the claim since it had been over 120 days since I purchased the tickets. But that I have no proof or documentation to suggest that I am owed this refund. She tells me that I will have to wait another 10 days and that I will receive a letter of my results. 
I was not happy with this so I called back at XXXX and spoke with XXXX and she tells me that I am denied and will not get my money back. She says if I am not happy with this, she will transfer me over to account resolution department and his name is XXXX who asks me to go over the issue again. He tells me to send him the XXXX email by fax or email and that they will take a look at it. And that it will take 1-2 business days to receive the documentation I have.
Consumer complaint received 2023-05-26
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. (FL)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections and charge off. I have tried numerous times to have this situation resolved with no resolutions. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Inquiries : XXXXXXXX XXXX Inquiry Date XX/XX/2022, XXXX Inquiry Date XX/XX/2022, XXXX Inquiry Date XX/XX/2022, XXXX Inquiry Date XX/XX/2022, XXXX Inquiry Date XX/XX/2022,
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 — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

Hello Since XX/XX/XXXX, I have been trying to re-finance my home in order to shorten my mortgage at a lower rate and remove PMI from the monthly mortgage payment. I contacted 5 mortgage companies, including my current lender. 

Upon running my credit report, multiple lenders told me of a " Repossession '' and a " Repossession/redeemed '' remark on my credit report that i was unaware of. 

The source of the " repossession '' remark is XXXX XXXX. I am a co-signer on an auto loan with my daughter through XXXX XXXX. In XX/XX/XXXX, my daughter lost her job and ran in arrears on payments for the auto loan, which she had been making prior to that point. She did not tell me until XX/XX/XXXX that she lost her job and had been 1-2 months delinquent for several months. Once i became aware of the delinquency, I immediately contacted the lender, XXXX XXXX, and worked with them to bring the account current. 

As mentioned above, the auto was never repossessed. I have no record of any notice from XXXX threatening repossession, or any other notice with the word " repossess '' in it. Except for an engine repair, the auto has never left my possession or my daughter 's possession at any time. 

On XX/XX/XXXX, I spoke with " XXXX '' at XXXX XXXX XXXX XXXX to request that XXXX XXXX provide me with a correction of the errant repossession remark on all 3 credit reports. He gave me a Reference Number for my request. XXXX told me that they had 45 days to correct the bad information. I accepted that at face value, believing that period was calendar days. 

On XX/XX/XXXX, I spoke with " XXXX '' at XXXX. XXXX said that 45 days were " business days '' and not calendar days. XXXX said he would " expedite the request '' and that I would receiving something shortly. Again, I accepted that at face value. 

On XX/XX/XXXX, I called XXXX again and spoke with " XXXX '' at XXXX. I referenced the prior conversations with XXXX and XXXX, who once again promised escalation of the matter with a written result to be sent to me. Still, I accepted that at face value too. 

On XX/XX/XXXX, I spoke with XXXX and summarized my conversations with XXXX, XXXX and XXXX. XXXX said she would send me an email that would contain information I requested. 

On XX/XX/XXXX, I received an email from XXXX. The only contents of the email were contained in a grid showing the number of times payment was recorded as " 30 Days Late '', " 60 Days Late '' and so forth. There were payments recorded more than 60 days late. 

Throughout the period of time above, and immediately prior to the referenced calls, I have used my XXXX XXXX account to monitor the content of the 2 credit bureaus listed. Each time, and even today my credit report continues to show a remark indicating repossession on the XXXX XXXX loan. Again, the vehicle was never repossessed, and to the best of my knowledge there was never a notice received that threatened repossession.
Consumer complaint received 2021-01-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was selling a mattress on XXXX for {$150.00}. I received an email from an interested buyer. Email shows the following info about him. 

Name : " XXXX XXXX '' Email : " XXXX '' Phone : XXXX XXXX XXXX XXXX I contacted him over the phone and he said that he is out for work but will send cashier 's check via mail. I was ok with that as I wasn't aware of the cashier 's check scams on XXXX. He sent a cashier 's check of {$1900.00} and mentioned that his assistant created this check to pay the movers {$1800.00} once check is deposited. So, I deposited the check on XX/XX/2020 and waited for the money to be available. The check info is added on the recipient bank above but actually it is the sender. On Monday afternoon XX/XX/2020, the money was available in my account. He messaged me to inquire if the money is available to which I said yes. So, he gave me the address " XXXX '' to send {$1800.00} ( {$1900.00} - {$150.00} of mattress ) to the movers via XXXX. I did that through my bank, which has the option to send money using XXXX. Once I gave him a proof of transaction, he said he will schedule the pickup of mattress shortly. The next day, I looked at my account for a different reason ( second stimulus checks ) and found a hold on his check. I texted him that there was a hold today and he return the {$1800.00} until the hold is removed. He said he would do that. At that time, I felt bad about this situation and searched online to find XXXX scams using cashier 's checks. I was worried but it was already XXXXXXXX XXXX. So I waited till next morning to call my bank and report this. I checked my bank and he had not refunded the money which I expected. My bank opened a fraud case but they said that since I authorized the XXXX transaction, it is a scam, not a fraud and hence they can not do anything with that. 

I have all the details available including the fake cashier 's check as well as the conversation I had with the con man.
Consumer complaint received 2021-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I took a balance transfer offer on my Bank of America Master Card and did a balance transfer for {$12000.00}, by paying the balance transfer offer fee that came to {$360.00}. I set up auto-pay to pay the monthly due. 

In early XXXX the Covid Epidemic hit the world. I am an XX/XX/XXXXworking for the beauty industry and lost my income due to social distancing rules as all Salons were ordered to close. Our only source of income was left to my XXXX-year-old husband who was bedridden last year with XX/XX/XXXX XXXX XXXX, XXXX, XXXX, and a XX/XX/XXXX Since his condition kept on going down, I was extremely busy with taking care of him and taking him to the hospital almost every day for infusions besides frequent trips to the ER as he was vomiting blood. Despite going through the above torture, my husband took care of his clients from the ER as well as from home so that we do not end up on the road with no income. 

Being so involved with managing the household, and my sick husband, I totally forgot about the balance transfer offer as all was set on autopay. 

Come XXXX my husband 's condition got better and I started catching up on the accounting. Upon checking the Bank of America Mastercard statements, I was shocked to see that starting from XXXX of XXXX I was being slapped almost {$200.00} interest every month on a {$10.00} grand balance. I called up Bank of America and explained to them the situation and made them aware that I never received any communication from the Credit Card department that my balance transfer offer expired in XXXX of XXXX and I need to pay it off. I tried to work with the Bank of America rep to reduce the interest since I have excellent credit but they told me flatly that we will not reduce even a penny. 

I strongly believe that I have been duped by Bank of America and taken for a ride as it should be their responsibility to let the consumer know 30 days prior to the offer expires to make arrangements to pay the balance off so that they are not charged 20 % interest in the name of Cash Advance. When I had already paid an upfront fee of {$360.00} that should have covered the Cash advance feature. Moreover, laws should be made that on every statement the date the balance transfer offer ends need to be mentioned, a text or email needs to be generated 30 days prior to the expiration of the offer making the consumer aware. 

The Bank of America rep had no compassion whatsoever and made no genuine effort to resolve this in any way. When I asked for a supervisor, I was told that the supervisor is not going to help me in any way, at this point, I gave up as it was no use wasting my time.