davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-26
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. (TX)

It has been a battle going through this and I am submitting yet another CFPB Complaint to update and correct the following fraudulent information in my file. I do appreciate the time the Credit Bureaus take in correcting some of the misleading information previously listed on my credit information. However I still need to assure complete accuracy on all items posted on my file. Therefore I ask the Credit Bureaus to provide me documentation regarding the precision of the items in question. Please conduct another investigation into the items listed : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Please be advised that you are reporting the wrong address information on my credit report. Kindly delete this incorrect address right away. 
XXXX XXXX XXXX Balance Owed : {$3700.00} I am frustrated! I have been disputing for the correction of this account and yet nothing has been done! I formerly asked for the proofs of verification or documents to prove that the information you report are accurate or you correct this account completely from my Credit Report but you have failed to comply! Your willful non-compliance of the FCRA statute is a clear violation of a consumers rights which is protected by the FCRA. I am now requesting that you update and correct this account on my Credit report or you stop this erroneous reporting. 
XXXX AUTO XXXX Balance Owed : {$0.00} How many letters do I have to send to you to inform you that this Account is paid and the balance is 0? This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the current status of 30 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate these illogical statuses and provide me with the date of the last activity for the account. Please delete immediately if unable to provide verifying documents!
Consumer complaint received 2018-12-07
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. (GA)

Multiple credit inquiries on the report that were not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX
Consumer complaint received 2022-03-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (AZ)

Opened a used car loan. Moved to XXXX az in XXXX. Made every payment ontime until XX/XX/XXXX. Car broke. And I could not fix. Am a single mother with XXXX children at the time. Had to voluntarily return car. I knew this would affect my credit report. However. For 6 years it showed XXXX balance paid in full and account was showing closed showing as a charge off. I was very confused by this. Then in XX/XX/XXXX the company began reporting derogatory showing a sudden balance account open account in repossession and a negative payment history. Disputed several times with credit agencies Never was i communicated with by this company. Never was an effort made to settle debt. Never was any information given about the car being sold and the remainder i would owe. Just suddenly derogatry reporting. And every month it would changes different aspects of the item. All this drastically affected my score. Where as had they reported honestly and appropriately from the begining my score would have been affected in a less devastating manner. Then the continuous negative and inaccurate changes every month continued to harm my score. How can a report go from closed to open to chargeoff to in repossession and around again changing. Affecting my score. Now says settled. All this not ever once contacting me. How was this settled and why was this changed over and over again? 
Is this fraudulent can a company be allowed to 1 not communicate an attempt to collect a debt 2 continuous changing of balance and status and history?
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MI)

I want to get a copy of my credit report and be able to dispute items online. Experian says i have an account with them but its " inactive '' whatever that means. They say i need to create a new email address inorder to view my credit report. This is crazy. I have one email addres i'm not forming a new email address a condition precident to be able to view my credit report. By law they have to provide me my credit report and access to be able to file disputes. Requiring consumers to have to create and montior a new email address to be able to view their credit report is an unreasonable barrier to access to their credit report and the tools to make disputes.
Consumer complaint received 2020-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (WI)

We sent a check for a monthly payment of {$100.00}. Wells Fargo drew {$1100.00} out of our account. We are getting lies and run arounds instead of returning our {$1000.00}. after contacting them 5 times we are no closer to getting reimbursed.
Consumer complaint received 2018-12-07
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: Flagstar Bank, N.A. (GA)

My mortgage company was XXXX XXXX and my lender sold my account to Flagstar banking. I noticed that my credit score dropped  tremendously because it showed that my account was closed but actually it was sold to Flagstar banking. They have not reported that I pay my mortgage through them now and it's effecting my credit score.
Consumer complaint received 2022-07-23
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 XXXX  Account 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 instruction
Consumer complaint received 2022-07-23
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX  Account 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 instruction
Consumer complaint received 2022-07-23
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 XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXDept Of Ed Account # XXXX XXXX XXXX Systems Account # XXXX has violated my rights.

15 U.S.C. 1681 SECTION 602A. States I have the right to privacy 15 U.S.C. 1681 SECTION 604A. SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-23
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX/Dept Of Ed Account # XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights.

15 U.S.C. 1681 SECTION 602A. States I have the right to privacy 15 U.S.C. 1681 SECTION 604A. SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-23
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXDept Of Ed Account # XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights.

15 U.S.C. 1681 SECTION 602A. States I have the right to privacy 15 U.S.C. 1681 SECTION 604A. SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-08-11
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. (TX)

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (WI)

XXXX of XXXX  we went bankrupt and when we went bankrupt I didn't know we had to reaffrim the mortgage. So that were all the problem started. I talk to XXXX XXXX  in XXXX so I could get mortgage on my credit report I sent a letter to XXXX XXXX. Nothing happened. I also had problems making payment so I hook up with ( HUD ) and made payments on XXXX, and XXXX i did all the right things make sure I didi n't miss a payment. My account # is XXXX, they tell me I followec all the payments to a XXXX XXXX in XXXX I got this letter from XXXX XXXX  tell me that if I want recast I would owe them XXXX without a recast I would owe them XXXX as a payoff. I want to know what the payoff should be. Please Help Me
Consumer complaint received 2022-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NE)

Upon receiving my escrow shortage notice in the mail on XX/XX/22 ( over 2 weeks after they mailed it on XX/XX/22 ) it gave me very little time to react to the shortage amount. Plus upon discovering they also did not fully calculate the upcoming shortage only the previous year shortage. This still raised my mortgage payment nearly $ XXXX. I expected a slight increase if I paid the shortage based on the escrow recalculation, but I didn't expect it to be that much. I started to calculate it myself and discovered they didn't account for the future shortage they knew was going to occur. This bothered me. I'd rather pay for that upfront than over time. My previous mortgage company gave me two options with the escrow shortage. To either pay what was short and accept the new much higher payment or to pay the full shortage and accept the slightly higher monthly payment. To not be given this option is extremely offensive. It makes me feel like they're attempting to take advantage of consumer 's ability to make decisions for themselves. It's our financial responsibilities, not necessarily theirs and it feels like they want people to default on their mortgages so they can force foreclosures. It's a nasty, slimy tactic. 

Also, I paid more than the calculated shortage, but not quite the full amount of the total shortage because it was in between pay periods for me... I was expecting when they recalculated the monthly payment for my payment to drop below just the " calculated shortage amount '' but instead even though I paid more, it only dropped to the amount they had calculated previously regardless of the additional funds sitting in my escrow account. This was the insane part. I scrapped together the additional amount which was a little over {$300.00} to finish out the full future shortage and was told my payment would be recalculated automatically in XXXX hours ... of course it hasn't been done yet after XXXX hours. So I was fed a bunch of lies because their refund process was much more tasking than just paying the additional funds. It felt kind of like blackmail and I got nothing out of it.
Consumer complaint received 2020-07-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I am sending this request to Bank of America. The issue is a late payment reported on my account. The account information is the following : Opened date : XX/XX/XXXX, high balance : $ {$11000.00}, late payment reported on XX/XX/XXXX. 

I moved to California in XX/XX/XXXX. In a conversation with BOA, I have asked them to send me a new card. I was getting mail forward but some statements may not have come through. The late payment is due to an ANNUAL FEE. I was not even aware of carrying a balance, and then I was terribly surprised by this late remark on my report. 

I want to let Bank of America know that one of the reasons I moved was because I was affected by XXXX. This situation has been overwhelming for everybody. I know I am just one more victim, but please take that in count. 

I would highly appreciate if Bank of America removes this late on my report. I have an excellent record on my payment history, and please keep in mind that : 1. The late remark is the result on an annual fee. 
2. I was not aware of carrying the balance because I didn`t receive the statement. 
3. I was a victim of XXXX. 
4. I made the payment right after I realized about the balance ( on XX/XX/XXXX ). 

Thanks to whomever reads my complaint.
Consumer complaint received 2020-07-31
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliable Credit Association, Inc. (WA)

I called and negotiated over several months to pay the Balance in full. The original loan amount was with Reliable Credit Association in the amount of {$2000.00}. I was incarcerated and have been struggling the last couple of years and through Covid to get my finances in order. We mutually agreed on {$1800.00} as payment in full. I asked for confirmation of the agreement before I made the payment and they advised me that they did not have a way to send me a confirmation of the agreement but that I would recieve a reciept stating a XXXX bal due and that payment had been received for payment in full. I recieved a Receipt in the mail dated for XX/XX/2020 with a remaining balance of {$1300.00}. It did not have the amount of my payment listed. 

The letter said : For : Reliable Credit Association Bal XXXX Agency Accnt # : XXXX Creditor Accnt # XXXX Thank you for your payment. You will find your current balance above. 

This company said that if I made the payment of {$1800.00} I would be released from any further liability of the debt and that collection efforts would stop and my credit report would be updated accordingly to reflect the debt was settled for less than the amount owed. This company did not live up to their end of the bargain. They committed Fraud to entice me to make a large payment that took up all of my accumulated savings to settle this account.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I, XXXX XXXX, authorize TRANSUNION LLC to move forward with this complaint. To my understanding of the law TRANSUNION LLC is violating my consumer rights. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), transactions between myself, the consumer, and the person making the report are supposed to be excluded from my consumer report. This would mean that it is illegal for TRANSUNION LLC to be reporting payment history as that would be a list of all transactions which should be EXCLUDED from a consumer report. Also, I can hold you civilly liable for {$1000.00} for each violation for willfully violating me pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ). In addition, 15 USC 1666b ( a ) states that a creditor can not treat a payment as late for any purpose. So now the question is outside of transaction history being reported illegally, how can it be reported that I was late on this account if the law states that I can not be late for any purpose. The account shows paid and closed so when was I allegedly late? The unlawful activity that you are participating in has caused me to be fearful of applying for lines of credit because I felt that I ran the risk of being denied.
Consumer complaint received 2022-07-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

I applied for a online loan, and the company transferred my info to another company. The thiefs used software to mimic the real loan company. I found out later. So they had all my info that the original loan company had. So the man from the fake company called me and said, my loan was approved for {$10000.00}! He said check your account and call me back. I checked and it was {$7000.00} in my Chase Bank account! I called the number I was given, and told him it was only {$7000.00} in there. He said check later and the rest would be there. So he put another {$2.00} or $ XXXX in there. Then he called me and said. He needed a fee of {$2500.00} so I said for what. He said because of my bad credit, he had to insure the loan. So he said I needed to withdraw the fee and send it to him, he also said I should convert the {$2500.00} to Bitcoin. I did that. But then I said to myself why Bitcoin. Something is not right. So I had used XXXX to purchase the Bitcoin. But the I sold it right away. Got some of my money back. Then I called Chase Fraud Dept and told them. So then a worker looked into it. And said pulled all your money out. Your account has been compromised. He said they disputed a bunch of transactions. My rent and a bunch of overdraft fees were disputed. So thats how the money got into my account. So I started a claims process made a police report. The bottom line is everything got fixed except 1 month rent, that was done through ACH by XXXX XXXX. Where Ive been renting because my godfather is elderly and had XXXX. So anyway I fought with Chase up until XX/XX/2022 went in the bank and faxed all the evidence and Chase still denied my money in my SSA account. They said they did a investigation and that I owed XXXX XXXX XXXX months rent. So XXXX gave me a proof ledger that I owed them nothing Pay your rent he said. Then they changed my username and password!
Consumer complaint received 2021-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (MI)

On XX/XX/21 Sears/Citi Bank Mastercard e-mailed me a Fraud Alert, that my credit card has been used at a XXXX  Station in XXXX FL XXXX It asked me if I recognized the charge, and after verifying that this was a valid e-mail address, I clicked on XXXX. I got a message that my card would likely have to be canceled and reissued. I have not used it since. 
I later found out that on or about XX/XX/21, that Sears/Citi Bank had phoned some of my family. They had no right! I am over XXXX, they cant do that. Ive been trying to get them to stop for decades. 
In addition, upon logging into my Sears/Citi Bank online account on XX/XX/21, I found out that there is very clearly listed a cease and desist on my account, preventing Sears/Citi Bank from phoning anyone regarding anything, let alone calling people who are not listed on my card. Sears/Citi Bank is in violation of the cease and desist, again. 
I drove to the library on XX/XX/21, I found out that Sears/Citi Bank no longer has a secure message server online. I was forced to use their chat. It must be a very poorly programmed bot, because if an actual person is that incompetent and rude, they should be institutionalized for the protection of the population. I was beyond frustrated. This should not be so difficult. 
On XX/XX/21, I replied to the Fraud Alert e-mail, asking, Do you have the video of who used my card #? Will you be prosecuting? I never received a response. 
On XX/XX/21, I logged into my Sears/Citi Bank online account again, but there was still no response to my XX/XX/21 chat entries or questions. I tried again, but the chat would not answer me, it just kept demanding that I ask them questions, questions that they will not respond to. I did a notice message for me, outside of their chat option. It stated that my card had been canceled, and that I would be mailed another one. 
On XX/XX/21, I replied to tSears/Citi Banks Fraud Alert e-mail a second time, with an attachment. I never received a response. 
Its been XXXX days, XXXX complete waste of time chats, XXXX unanswered e-mails, since my credit card reported fraud to me, but I still dont have my replacement MasterCard. 
My friend had a canceled credit card at work due to fraud their credit card company XXXX XXXX them a replacement within XXXX hours. Why is this taking so long?
Consumer complaint received 2020-07-31
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: REGIONS FINANCIAL CORPORATION (AL)

There are incorrect bills being reported to my credit. 1 ) Regions Bank 2 ) XXXX XXXX XXXX, ( a debt collector for XXXX XXXX ) The debts are a result of Identity theft previously reported to the above creditors yet they have not removed the accounts from my credit report. I have also previously supplied creditors and the credit companies with information regarding this ID theft and they have failed to properly investigate, remove or stop reporting incorrect collections on my credit report. I have been trying to purchase a home but I can not due to the fraudulent accounts.