davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (MA)

Here is a copy of the letter I sent to the debt collector : I received a demand for dept on a XXXX account that I closed and XXXX kept open without my authorization. I hereby notify you that XX/XX/2018 is the first demand for payment I have received and require the following : Proof of my agreement to pay the original creditor and history of my conversations on file disputing this claim with XXXX and chat history with XXXX ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge. 

I note you have reported to me to my credit agencies and demand you remove this immediately before I take legal action against XXXX. 

I dispute this charge because I cancelled my account and tried multiple times to resolve this continuing charge from XXXX with XXXX. They could not help me several times because their systems were down but promised to rectify the debt that I did not owe and would call me back if not resolved. I never heard from them and now am taken to collections? I do not owe any money to this creditor. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act. 

Aside from verifying the debt, do not contact me about this debt.
Consumer complaint received 2020-02-09
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: Experian Information Solutions Inc. (TX)

Experian, XXXX  and XXXX  has updated the following account on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 and 611, Experian, XXXX  and XXXX  have violated my consumer rights by not adhering to the law. Section 611 ( 5 ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or  substantiate by oath ; to show to be true. Particularly used of making formal oath to accouuts, petitions, pleadings, and other papers. Contract law states that the only way to contest an affidavit is to respond another affidavit. According the black law dictionary an affidavit, a written or printed declaration or statement of facts, made voluntarily, and confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. Experian, XXXX  and XXXX  failed to respond to my previous sworn statement of dispute affidavit with a another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ;. Furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collection. 

I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from my credit profile. 
Please immediately permanently delete the following the accounts from my credit profile under the FCRA Section 609, Section 605B, Section 611 and FCDPA Section 809. 

XXXX Account # XXXX Opened- XX/XX/XXXX {$4900.00} XXXX Account # XXXX Opened- XX/XX/XXXX {$610.00} XXXX XXXX XXXX  XXXX Opened- XX/XX/XXXX {$240.00} Account # XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX {$4600.00} XXXX Account # XXXX Opened XX/XX/XXXX {$200.00}
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian Credit bureau has been falsely reporting inaccurate information since XX/XX/XXXX. They have been double reporting negative information since XXXX. 15 years or 180 months of inaccurate and double negative reporting, XXXX FCRA violations, and XXXX FCBA violations. They have XXXX XXXX XXXX XXXX child support accounts and I have only ever had one. The two accounts listed only one is correct and the information reported is still incorrect. You can see per the photos uploaded that they are updating the old account that was closed in XXXX with the last update being XXXX, XXXX. They also do not update my correct information correctly in a timely manner. The last update is three months old. Since XXXX they have reported two accounts and negative reporting and inaccurate and late correct reporting. You can also see that I have disputed this 5 times, with each dispute they have reported worsening information with each dispute. If they were reporting the correct information my dispute results would all be the same. Not changing with the wind and adding progressively worsening payment history. I submitted a letter from XXXX XXXX XXXX child support services, stating that the account has been closed since XXXX, that they have the wrong account number and they have updated a closed account mirroring the other account and updating the closed account illegally since XXXX worsening my credit score by their negligence in reporting and their failure to act and investigate disputes correctly. Included in the images XXXX the incorrect payment history, the two accounts date of last being updated, I can provide my account information so that you can see the before and after results of the five disputes filed that after each dispute investigation they came up with different and worsening payment history, incorrect balance, updating a closed account for 15 years. Some of the disputes were red filed the exact same day the dispute results were released before any changes had taken place with my credit report and they submitted again wrong and worsening information than the dispute before when nothing had changed. I am looking for accountability for negligence and missed life and financial opportunities due to inaccurate and incorrect information being passed off as fact for 15 years. Failure to act. The other credit bureaus have these accounts reported correctly and the second account is not even present on my other credit reports because it is past the statute of limitations for reporting another set of laws and regulations that experian chose to ignore and chose to report negligent information for 15 years or 35 % of my life time.
Consumer complaint received 2019-04-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (GA)

I prepaid approx 52 % or {$200000.00} toward a balance of {$370000.00} with Ditech. The {$370000.00} was shown on the statement from Ditech dated XX/XX/2019. I mailed one check for {$200000.00} as prepaid principal on or about XX/XX/2019. It finally credited in 2 parts,  {$50000.00} on XX/XX/2019 and then {$150000.00} on XX/XX/2019. The loan is an annual adjustable with the rate adjusting with the XXXX payment each year. A Ditech representative advised me to ask for a loan modification which would translate into a reduced payment going forward. Loan modification docs were sent from Ditech to me by XXXX. They required a signature from me, 2 witnesses and a notary. This was all done one XX/XX/2019 at my attorney 's office and copies sent back to Ditech in the enclosed return envelope by way of XXXX. My attorney retaining copies of all. It was signed for by XXXX XXXX at Ditech on XX/XX/2019 at XXXX XXXX. Tracking # XXXX in XXXX, FL. The 11 payments prior to the principal reduction had been {$2400.00}. After the modification the 12th payment which was for XX/XX/2019 payment dropped to {$1100.00}. This seemed fine. Then the statement arrived dated XX/XX/2019 showing a balance of {$170000.00}. This seems fine. However on the following statement dated XX/XX/2019 the required payment is showing as {$2500.00}. This is way, way off it should be about {$1200.00} on a 19 year amortization which is the time period left in the contract. I have made 8 contacts with Ditech over the past month plus. Including the hold time they have averaged about 45 minutes each. I have sent letters and had live chats with Ditech reps. I always get the same run around " it is being reviewed '', " we see the problem '', " I can't change your payment '', " you are not allowed to talk with anyone who can change the payment because they don't take calls ''. This has been well over a month and now the payment is almost due. I am unable to get this mess corrected. I understand that filing for BK and having court supervision makes things complicated for Ditech. It is clear and obvious they all the docs since the XXXX payment was modified and properly reflected the principal reduction and loan modification. According to the phone reps at Ditech if I don't make the requested payment it will be reflected as late on my credit report!
Consumer complaint received 2023-07-31
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. (NY)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2022-10-17
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. (MO)

I am submitting this CFPB Complaint to request to the Credit Bureaus once more, to remove the remaining fraudulent accounts and information from my Credit File. I greatly appreciate the action done by the Credit Bureaus and have some of the disptued items removed from my Credit File. However, there are items left that should also be removed such as the inaccurate addresses, and the one fraudulent account reported by the XXXX Credit Bureau. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed items in which they resulted due to identity theft, not later than 4 business days after XX/XX/XXXX. I also sent another dispute letter to the Credit Bureaus on XX/XX/XXXX. I have already included these items from my previous Complaint and I am including them again, once more. Please have the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX  MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX A XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$210.00}
Consumer complaint received 2022-10-17
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. (MO)

This is XXXX XXXX submitting yet another CFPB Complaint to request to the Credit Reporting Agencies to remove the disputed accounts in which I believe to be reporting erroneous information on my Credit File. While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. Pursuant to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, I need the Credit Reporting Agencies to notify me when the items have been deleted. Please reinvestigate the following accounts and have them corrected and or removed : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (GA)

The balance on my Comenity Bank card has not been updated since XX/XX/2022 and still shows a balance of {$1000.00}. This account has been paid in full and should reflect a {$0.00} balance.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IN)

I do not recognize and authorize the following inquiries. This is caused by fraud. 
RESIDENT VERIFY Date of Inquiry XX/XX/XXXXXXXX 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 2018-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (CO)

I received notification from XXXX XXXX Telling me that someone had intended to open a XXXX XXXX credit card on my name, it was declined. Then I received and email from XXXX XXXX telling me that they had detected several attempts to use my personal information to open several accounts as well as my personal information was stolen and sold to third or forth parties. Please look into this matter and let me know. For yor information, I know that my credit rating is poor and I have not applied for any credit in more than 4 years. Thanks for your time and consideration and may the XXXX XXXX be with you.
Consumer complaint received 2024-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts : TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NE)

I have filed SEVERAL complaints that are the SAME complaints because the company XXXX Bank of America XXXX keep LYING and stating the problem has been " resolved '' and/or whatever other LIES they tell you, however, nothing could be farther from the truth, all they ( Bank of America XXXX does is send me a letter with a " special '' phone number and a " special customer service agent '' that does ABSOLUTELY nothing!!! This is, HAS been a continuous loop that has been happening for quite some time with this company ( Bank of America ) which falls in right along with THEIR PREDATORY LOAN PRACTICES AND STRATEGIES!!! Please see this pattern and what's to " really '' going on and be privy to this information. Thank you. Sincerely, XXXX XXXX for Estate of XXXX XXXX XXXX, ( # XXXXBank of America XXXX
Consumer complaint received 2020-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I used XXXX XXXX to help me move from XXXX  to XXXX. They said it would be {$1500.00} to move my stuff, and will not be anymore. I have a receipt that shows that - That I uploaded and sent to my bank. 
The moving company then switch companies to another moving company, and then I was told once they arrived in GA that I would have to pay another {$1300.00} Cash or they would not release my stuff. It was the most egregious bait and switch extortion I've ever been a part of. 
I explained this in detail and Bank of America said they can't get the cash back obviously, but if there was any transactions via credit card they would get that back. 
I told in detail my situation and a bank manager said as long as I fill out everything and upload the paperwork I have I will def get this claim to approve. I did everything and called the bank a week or two later and they said it was approved. 

Today I got an email saying my claim was denied and that I never uploaded any paperwork. Totally false. I will be getting the {$510.00} back if I have to open a lawsuit so be it..
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (FL)

I made a purchase XX/XX/23 for {$490.00} on from XXXX  XXXX XXXX XXXX XXXX XXXX ( multiple company names for some reason ), through Goldman Sachs. 

They are not an accredited educational institution to issue XXXX XXXX XXXX certifications per my employer. I explained this to Goldman Sachs, the provider of my Apple Card multiple times and I am on my third unsuccessful attempt to dispute the charge with them. 

Each time they side with the merchant. The only evidence the merchant has provided is a receipt. Per the Fair Credit Billing Act, I have a " good reason to be dissatisfied with the items and services I have purchased '', therefore my chargeback stands as legitimate. 

On XX/XX/23 after multiple attempts to get this dispute settled, and Goldman Sachs repeatedly declining to rule in my favor, I cancelled my Apple Card and will no longer do business with Goldman Sachs.
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX I called into TransUnion to Explain that I that have been a VICTIM of their inquiry issue The following inquiries have been placed on my TransUnion report in error. 

XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX I that have been a VICTIM of their inquiry issue The following inquiries have been placed on my TransUnion report in error.I need these inquiries that have been placed illegally off my report. 

XXXX XXXX XXXX
Consumer complaint received 2022-10-17
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. (IL)

I received my reinvestigation back from Experian, XXXX and XXXX .They said everything is 100 % Complete and Accurate. I would like to receive the Description Of Reinvestigation Procedure According to FCRA 15 USC 1681i ( 7 ).

Because the list of account below are NOT ACCURATE. The Open date, date last active, account type, date last payment, past due, Last Reported and Payment History is NOT 100 % accurate. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX NUMBER : XXXX They did not modify or delete the inaccurate Information on my consumer report according to the FCRA 15 USC 1681i ( 5 ) ( A ) ( i ) I attached a copy of my Consumer report maked with all of the INACCURATE 'S as evidence.
Consumer complaint received 2023-07-31
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 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.