davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-18
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. (VA)

To Whom it may concern, I was recently reviewing my credit report and I noticed that there were several unauthorized inquiries on my credit report and/or someone has been trying to apply for something in my name. I have already filed the FTC Reports as well and the report numbers are XXXX and XXXX. The FTC Reports are attached. 
Additionally, I have attached a copy of the CFPB ( consumer financial protection bureau ) report under report number XXXX. 
These fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX  on XX/XX/XXXX 2. XXXX XXXX XXXX on XX/XX/XXXX 3. XXXX - CARD SERVICE on XX/XX/XXXX Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

My contact information is attached in the documents with this report. 

Best Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

Let the record show that i have contacted Experian since XXXX XXXX to remove a fraud alert dated on XX/XX/2019. They have tried to remove the fraud alert and just this week they told me they have removed almost 98 fraud alerts from the same day. They are trying but i keep getting the same results the fraud alert will not come off there is no phone number on the fraud alert so i cant obtain credit in my name. I call everyday for at least a hour can you please assist experian to perminately remove my alert aka consumer statement. 

XXXX XXXX XXXX
Consumer complaint received 2019-06-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (KY)

Since XX/XX/XXXX weve been having problems with our mortgage company saying that we are a month behind on our payments, Ive been making double payments every month and according to my credit report there saying that I havent been making any payments.When I went on the website because I dont receive any monthly statements I noticed a lot of our payments have been going to escrow but it doesnt brake it down as to what and back in XX/XX/XXXX when our mortgage company changed from XXXX to Lake view we never received anything in the mail about the change until a bill came stating that our payment was late.Whenever we call to speak with someone were on hold for hours and a couple of times when Ive called to make a payment they tell me that unless I make a double payment I cant make a payment they wont except it.We are trying to refinance through another company right now and because of the credit report bringing me score down Im not able to get out from under them.
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. (NY)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AmeriHome Mortgage Company, LLC (CA)

Back in XXXX of XXXX I started forbearance going into forbearance I was 60 days late and during forbearance I paid all my payment while I was on forbearance. In XX/XX/XXXX it still shows on my credit report that I am still 60 days late
Consumer complaint received 2019-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XX/XX/XXXX is reporting a collection account for XXXX XXXX XXXX  XXXX CA.  It shows date of last activity XX/XX/XXXX. I have informed them and XXXX that this is in error. The date of last activity was in XX/XX/XXXX and as such it is well beyond the limits for reporting according to FCRA. I have disputed this account and it is ignored. I have requested validation of this account and it has been ignored. This account should no longer be reported on my credit.
Consumer complaint received 2023-05-05
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: EQUIFAX, INC. (CO)

I have an account on my Credit Report that is now obsolete and should be deleted as the age of the account is over XXXX years old as of XX/XX/2023. The account as it should have was removed from my XXXX report in XX/XX/2023. In XXXX the account was still being reported to Equifax and XXXX. I have opened and filed disputes with these agencies and XXXX completed the dispute and deleted the account and it is now gone from my report. Equifax will not delete the dispute. They have closed my dispute and their resolution was an " Updated '' the account. As previously stated this account is over XXXXyears old. The account is an obsolete record and it should be deleted.
Consumer complaint received 2018-01-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Very briefly, XXXX failed to reasonably investigate two disputes w.r.t credit report errors I submitted on XXXX XXXX, 2017. 

Dispute 1 : Billing error by Bank of America, due to failure to send bank statements, which is legally defined as a billing error in 15 U.S. Code 1666 ( b )  ( 6 ).

Dispute 2 : XXXX XXXX prevented me from making a timely payment to *them* ( by temporarily blocking my checking account, which I needed to use to pay their credit card bill ). Then they reported the delinquency that they themselves caused. 

The detailed events are all articulated in the attached letter to CFPB ( " XXXX_cfpb_dispute.pdf '' ). I have also attached my original statement delivery instructions ( " bofa_paper.pdf '' ), and the original dispute to XXXX ( `` XXXX_dispute.pdf '' )
Consumer complaint received 2018-02-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Business Factors (CO)

XXXX XXXX XXXX is trying to collect a debt not owed. I have contacted them numerous times started back in XX/XX/XXXX. I disputed this debt with the CFPB, and XXXX XXXX XXXX stated they would delete the item from my credit file. Please see attached document showing this. 

I recently certified another letter to XXXX XXXX XXXX which was signed for on XX/XX/XXXX. I have yet to receive a response to me letter that requested they respond to my concerns. 

I disputed this item from my credit reports and XXXX  is the first to respond. XXXX  states that XXXX XXXX XXXX has verified the information as accurate and to not delete the item from my report. I am providing you a copy of this response from XXXX. 

XXXXXXXX XXXX XXXX has misrepresented what they intended to do to you both the CFPB and myself.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Thaxton Investment Corporation (SC)

XXXX XXXX XXXXy showed up on my report as a new open account on XX/XX/XXXX with a delinquency. I have attempted to contact the company with no response via mail and phone. If the company bought old debt from another company they are not showing correct delinquency dates and the amount is higher than closed off account. This company is reporting as a brand new debt that is not correct. If it was bought from another company the delinquency date should be XX/XX/XXXX with XXXX XXXX  with a closed date of XX/XX/XXXX and a balance of {$720.00} XXXX XXXX XXXX has a new open date and delinquent date as XX/XX/XXXXXXXX XXXX  with a balance of {$1100.00}. I have submitted disputes with all 3 reporting companies. Changing the delinquency date and additional amount are both violations of Fair Debt Collections. Also, I am a south Carolina resident and S.C. has a 3 year statue of limitations on these types of loans.
Consumer complaint received 2022-11-13
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B Read A and 2 Please freeze this report and update my correct information. You guys make it nealry impossible to access my report My name is XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX My phone numbers XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached
Consumer complaint received 2018-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I deposited a postal money order for {$1000.00} on XXXX. Bank America has put a hold on this for 10 days. I have deposited money orders from the postal service before and they have never put a hold on it before. Now they are pulling money from my savings and charging overdraft fees when that money is there. I would like them to release my money so that I can pay my bills and refund the overdraft fees.
Consumer complaint received 2017-05-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (HI)

I graduated in   XXXX   from   XXXX   XXXX   XXXX  . I had to apply for  XXXX   XXXX  "   XXXX   XXXX   loan '' for half of my loans I took out during school because they were the only ines I qualified for. I paid the interest off in monthly payments while I was attending. The payments were on an automatic deduction and took out every month. However, when I graduated they stopped my automatic deduction payments and then tried to charge me a late fee because I did n't pay on time. I asked why they stopped my payments and they said they expired for some reason and I needed to start them again. I was fighting on the phone with customer service so many times and called so many times because they kept messing up my loan payments that I was automatically transferred to management everytime I called which did n't really help much either. Over time when I started working as a  XXXX  I was able to make higher loan payments. However, everytime I paid over the minimum payment, they never applied it to the loan. They only took out the minimum payment so they could charge the interest fee on it. I called and asked what was happening to my payment, the money that I paid extra on? They replied that if you pay over the minimum payment the extra money goes towards next months minimum payment. They call it " pay it forward '' so I asked, I 'm never going to be able to pay extra on my loan to pay it down quicker? They said I did n't specify that I wanted to do that so all the extra money I 'm paying a month is going towards future minimum payments.   I was tired of dealing with     XXXX   XXXX    , which is now navient, and went to my credit union and explained my situation. I asked to take out a private loan to pay off my high interest rate student loans. I qualified and they asked for an address to mail the check to navient. I called customer service and they would n't give me an address. My bank called and searched navient website and they too would not give an address. My bank ended up transferring the menu into my account and said they would be able to see when I made the payment to navient on the website.   Very frustrating with the whole process.
Consumer complaint received 2018-01-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

So I make additional payments to my student loan, to additional my automatic payments. I called customer service to have them reapply the my extra payments to principal only. I was informed there is not much a thing. I spoke to a manager, and inquired in why I ca n't apply my extra payments to principal only. He started you ca n't do that for any loans. I asked him if this in my contract ( which it 's not ), and his response was your monthly payment will be applied interest then principal. I informed him this is not my monthly payment, and asked him to provide me with a copy of my contract. 2 months later still no contract, and I called and was informed it was sent out.
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

This is a formal complaint against them. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they 're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I 've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2021-10-18
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: EQUIFAX, INC. (NV)

Hi XXXX  has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. experian paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2015-04-26
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: ZIONS BANCORPORATION (CA)

XXXX XXXX XXXX Policy # XXXX Retired Employees of XXXX XXXX CountyXX/XX/XXXX Teeth cleaning with XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX issued check to XXXX XXXX {$90.00} for service. XXXX XXXX does not receive check. 
XX/XX/XXXX I obtained copy of cashed check from XXXX and forwarded it to XXXX XXXX. The check had been cashed by California Bank and Trust, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX XXXX XXXX filed an affidavit with XXXX for non receipt of check. 
XX/XX/XXXX After checking with their security department, the California Bank and Trust manager instructed me to have XXXX XXXX file another affidavit with their bank. He filed the XXXX affidavit. 
XX/XX/XXXX I met with XXXX XXXX XXXX, Manager XXXX ( XXXX ) to follow up on the status of the affidavit. She determined that XXXX had failed to notify us that no action was being taken on the affidavit because XXXX XXXX was not a customer of XXXX. She found the cashed check electronically and their customer who had cashed it. She would not release the name of the customer to me. Since XXXX had accepted the check without verification, she agreed that the transaction was either an error or fraudulent. I requested that XXXX write a check for {$90.00} to XXXX XXXX and debit their customer 's account. She refused. 
XX/XX/XXXX I have had many conversations with XXXX XXXX, XXXX XXXX XXXX, XXXX ext XXXX. As of this date, action on XXXX XXXX 's affidavit is apparently still pending. She was unable to provide a case number from XXXX XXXX bank who issued the check.
Consumer complaint received 2024-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Subject : Formal Request to Rectify Inaccuracies in Credit Report Dear TransUnion, I am writing to address significant inaccuracies that have been reported in my credit file by your organization, which have recently led to the denial of credit. The presence of these inaccuracies is evident, and I am outlining the specific accounts in question below : Account : XXXX Account Number : XXXX Violation : Reported without valid evidence under 15 U.S.C. 1681i ( 7 ) Method of verification. 

Account : XXXX Account Number : XXXX Violation : Reported without valid evidence under 15 U.S.C. 1681i ( 7 ) Method of verification. 

Account : XXXX XXXX  Account Number : XXXX Violation : Reported without valid evidence under 15 U.S.C. 1681i ( 7 ) Method of verification. 

It is crucial to emphasize that I did not provide written authorization or instructions for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and expunged. I want to assure you that this request is made in complete accordance with relevant laws and is not based on any misrepresentation of facts. 

Your organization 's actions seem to be in violation of 15 U.S.C 1681a 2 ( A ) ( i ), which explicitly states that a consumer report should not contain information solely based on transactions or experiences between the consumer and the reporting entity.

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the aforementioned accounts. Furthermore, I demand access to all documents upon which you are relying for reporting accounts ( 1 ) and ( 2 ) as referenced earlier. This demand is in accordance with your obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), which grants consumers the right to access such records. The information being reported is not only detrimental to my reputation but is also adversely affecting my creditworthiness.

Therefore, I hereby request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verify these accounts. 

Additionally, alongside the removal of erroneous and unverified information, I kindly request the elimination of all non-account holding inquiries that are older than 30 days. As defined by XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, " verification '' is the confirmation of correctness, truth, or authenticity by affidavit, oath, or deposition. The purpose of verification is to ensure the good faith of a party 's averments or statements. 

Failure to provide a satisfactory response with the deletion of the aforementioned utilization and inquiries will result in legal action against your company. For each violation, I will seek {$1000.00} in damages for defamation of character, civil liability, and violations of the Fair Credit Reporting Act 15 U.S.C 1681. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MD)

I received a notice on XX/XX/2023 from XXXX XXXX that my account was going to be closed due to " Unsatisfactory credit and/or derogatory public record references ''. But they didn't how they determined this. No credit bureau information was listed. 

I have credit scores from all XXXX companies in the high XXXX, and I have never paid a credit card or loan late, so this is a complete shock to me. I tried to call their number but they said I had to do it in writing. So I wrote them a letter. This week it was reported on my XXXX credit report that XXXX had closed my account. But they never bothered to get back to me. 

I got a notice today saying they needed to get in touch with me. So I called the number on the notice, but there was no way to talk to a human being. 

I don't care about my credit card since I don't really use it, but it really disturbs me that they are saying I have bad credit when I don't.