davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

My address : XXXX XXXX XXXX XXXX, Sc XXXX My name to : XXXX XXXX XXXX My social security number is : XXXX My correct date of birth is : XXXX As proof of my identity, I have included copies of my drivers license and a utility bill. I have also included a copy of my credit report with the information I am requesting to be verified and deleted. 

NAME XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX
Consumer complaint received 2022-05-03
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CA)

Starting in the middle of XXXX, Freedom Mortgage, our mortgage lender, began offering a program allowing a temporary hold on payments due to COVID hardship. Hoping to mitigate some financial burdens, my wife and I applied for the program. After 6 months, we decided that we were comfortable enough to resume our regular payments and began speaking with Freedom Mortgage to initiate the process. In XX/XX/XXXX, we were sent loan modification paperwork which was promptly filled out and returned. Shortly after, we were told that the documents Freedom Mortgage sent were incorrect and would once again need to be resent, filled out, notarized, and then returned. We did not receive the second package in the mail, requiring me to call and inquire about its status. Given that the due date to return these documents was fast approaching, the individual I spoke with sent the paperwork via e-mail, allowing me to quickly print, fill out, and send it back - all before the provided due date of XX/XX/XXXX. From this point, Freedom Mortgage began sending notice that they had not received the documentation on time and threatened to take us off of the Loss Mitigation Program and that we would need to pay the full amount due of more than {$22000.00}. After calling them again, I was consistently reassured that they had, in fact, received the documents on time and things would continue as normal. Additionally, I was informed Freedom Mortgage made yet another mistake on the documents and would need to resend them. In XXXX, I began receiving foreclosure notices as well as a hit to my credit under a claim that I had not made my payment for the month of XXXX. Still, after calling several more times from XXXX, I was only given empty promises that everything would be taken care of and I should not worry, all while I was continuing to receive foreclosure notices and having a missed payment affect my credit. On XX/XX/XXXX, I also received a letter from Freedom Mortgage stating that they investigated the missed payment and found nothing incorrect about their claim and, on top of that, I was 180 days overdue. It is now XX/XX/XXXX and I have not been sent the " final '' documents, I am afraid that my house will be foreclosed, and I have a massive hit to my credit. This entire experience has been unnecessarily stressful even though I have done everything Freedom Mortgage has asked of me and regardless of how this ends, I will never apply for a loan through them again.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I as a consumer am writing to file a formal complaint against XXXX, XXXX, and Experian concerning inaccurate information and privacy violations on my credit reports. 

All three credit reporting agencies, XXXX, Experian, and XXXX, have reported inaccurate debt collection information ( XXXX XXXX XXXX ) on my credit reports, damaging my creditworthiness and violating my rights under the 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

The inaccurate reporting constitutes a violation of my privacy rights under the Privacy Act of 1974 ( 5 U.S. Code 552a ). The Act requires each agency that maintains a system of records to restrict the collection of information to only the information relevant to the purpose, to ensure the information remains accurate, to collect information directly from the subject whenever possible, and to tell the subject the purpose for which the information is being collected and the authority under which it is being collected. 

The account clearly reports inaccurate open dates, last reported dates, and last active dates between ( XXXX, Experian, XXXX ). 

The credit reporting agencies failed to follow reasonable procedures to ensure the maximum possible accuracy of the information in my credit reports, as required by 15 U.S. Code 1681e- Compliance Procedures.

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Lastly, XXXX XXXX XXXX is a collection agency. The account reported is an inaccurate collection/chargeoff account, which is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS clearly defines a charge off as gross or ordinary income, and income does not get reported to a consumer report. 


I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate actions to rectify the inaccuracies on my credit reports, ensure compliance with relevant laws, and protect my consumer rights. I have attached supporting documentation, including evidence of the inaccurate debt collection information. 

I demand XXXX XXXX XXXX, account # XXXX to be deleted. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and appreciate your efforts in upholding consumer rights.
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (AL)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2018-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (DE)

In XX/XX/XXXX I saw fraudulent charges on my XXXX card, I reported it and requested refunds of over payments take from my auto pay checking account, after one month I heard nothing back from them so I had to call them back and they did not even started the claim, I had to go over the whole phone process again with them in XX/XX/XXXX, in XX/XX/XXXX they said the fixed the problem and the - XXXX credit will be returned to me. up to now XX/XX/2018 they have not returned the credit to me. I have sent the request by mail I have called them and they do not respond
Consumer complaint received 2022-05-03
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)

I sent out an FTC report on XX/XX/XXXX XXXX to Experian, XXXX, and XXXX to remove inaccurate/ false inquiries. XXXX is working to remove the inquiries. However, Experian and XXXX has yet to address my problem. Furthermore, it has been over 30 days for each of the three credit bureaus to respond.
Consumer complaint received 2018-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I receive balance transfer checks from Bank of America all the time and have used these checks to pay off higher interest debts with interest free balance offers using these checks. In XX/XX/XXXX, I used one of these checks which offered 0 % interest until XX/XX/XXXX. I paid {$150.00} transaction fee to use this check, but I saw on my statement this month that I am being charged interest on the outstanding balance. 

I called BofA and was told that there is a new exclusion that you can not make the balance transfer check out to yourself. If this new rule was included in the offer letter, it was not clear or obvious at all. I have always made the balance transfer checks out to myself, deposited the check into my checking account and subsequently made payment to whatever account I needed to pay off. I have done this many times, but suddenly, they change the rules without making it clear. Very misleading ... and a financial burden. I've already paid {$150.00} upfront transaction fee, and now I've been charged {$75.00} interest just this month alone.
Consumer complaint received 2022-03-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (ND)

There is a debt for {$3600.00} on my credit report coming from the debt collection agency Americollect Inc. I sent Americollect, Inc a debt validation letter on XX/XX/2022 to verify the debt that was appearing on my credit report. Today ( XX/XX/2022 ) I opened up my mailbox and opened up the return letter that I received from them ( that was sent XX/XX/2022 ). In the letter that they sent me there was the hospital charges bill that had procedure codes, procedure description, and personal medical information. I know my rights and I know that this is against HIPAA violations to do so. I specifically asked for the validation of the debt and not my hospital charges/charge descriptions/info that is against my HIPAA rights. Initially, in my debt validation letter I had asked to just have the debt cleared from my credit report. I'd still like to have the debt irradicated and if Americollect Inc can't clear it, then I will have to take legal action for having my HIPAA rights violated. 

Thank you.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX  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 transunion i spoke to a representative agent name XXXX and XXXX and 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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 inquiries 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 Transunion more than 21 times. transunion 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 XXXX 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 2022-06-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BMW Financial Services NA, LLC (MO)

On XX/XX/XXXX of XXXX and On XX/XX/2022 I, XXXX XXXX, a natural person and consumer, send letters to BMW requesting an XXXX XXXX so that I may validate the alleged debt and also letters to cease and desist violating me ( attached ). BMW has not responded to my request and it has been over 90 days from the first request and over 45 days from the second letters. My consumer legal rights are being violated. Certified letters on file.
Consumer complaint received 2018-02-02
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: CORELOGIC INC (NY)

XX/XX/2017 I am being hit with a hard inquiry from XXXX. 
This was fraud as I did not apply for one from them.

I was told this inquiry would be removed and still hasn't XXXX  and XXXX were also gon na remove it but still have yet to do so.
Consumer complaint received 2023-07-27
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: ASSOCIATED BANC-CORP (WI)

Associated Bank is reporting false late payments on a previous mortgage I had with the lm while I was married. I have always paid my portion of the mortgage on time never late. 
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. I also respectfully request to be provided specific proof of the alleged debt. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time or paid in full.It is my understanding that you must verify these items with the reporting creditor for accuracy. If you are unable to provide that proof, or if lacking proof of these payments being late. Please update my credit report and payment status from XXXX immediately. Thank you
Consumer complaint received 2022-05-03
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: EQUIFAX, INC. (GA)

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 602 A. section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2018-10-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am still waiting for CAPITAL ONE 360, to return funds, that are still in my closed checking account, to the original sender. I have made 2 complaints, with the bank responding that they will return the funds. That has not been done. I believe that there will be no satisfying response from the bank as to why it has not been done, yet. I do not want another letter, saying that they will be returning the funds, just return the funds!
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-12-07
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I, XXXX XXXX from XXXX XXXX California, sold my car online for {$3500.00}. A man named XXXX XXXX texted me via his phone number XXXX and agreed to buy it with a cashiers check. 

- On XX/XX/2021 I received a Cashier Check of {$5800.00} and I deposit the Cashier Check to my Chase account on the same day. 
Cashier 's Check info : + From XXXXXXXX XXXX  XXXX, Branch XXXX + Payable through XXXX XXXX. XXXX, XXXX + Check # XXXX - Date : XX/XX/2021 - On XX/XX/2021 XXXX politely asked me to send {$2200.00} extra money ( from his cashier check ) to his mover account to pay for transferring the car to his daughter in WA state. 
The receiver info with XXXX XXXX Bank : + Name : XXXX XXXX + Routing # XXXX + Acct # XXXX - I did agree to send {$2200.00} to the mover 's XXXX XXXX account from a local XXXX XXXX XXXX ( in XXXX XXXX, XXXX XXXX ). It was because I believed the amount of {$5800.00} from the Cashier Check I received was cleared by Chase Bank and was present in my Chase account at that time. 

- On XX/XX/2021 XXXX called me again and told me his wife was not happy with the car and ask for a refund. At that time I was very suspicious about XXXX XXXX behavior. It could be a scam. 

- On XX/XX/2021 I went to Chase Bank to ask them to verify if the cashier check I received was really authentic. A Chase Bank staff name XXXX XXXX then gave me a phone number to call for verification. I called the provided phone number and was told immediately they did not recognize the cashier check number I received from XXXX. At that time I knew for sure I was a victim of a scam. 

- On XX/XX/2021 I went to both XXXX XXXX and Chase banks and asked for help on the issue. XXXX XXXXXXXX XXXX staff and XXXX XXXX from Chase bank told me nothing they could do from bank side to help me with the issue at that time and they told me to call to report a fraud myself.
Consumer complaint received 2018-04-15
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)

In XX/XX/XXXX XXXX XXXX reported to Experian a debt that belongs to a corporation to my personal credit report. I opened a dispute with Experian ( Report Number : XXXX ) claiming this debt is not my personal debt. The XXXX XXXX account is a corporate account that was never tied to my personal data and the debt ( which is in dispute ) should not be reported on my personal credit. Furthermore, my personal data ( SS # and/or DOB ) was not used when the XXXX XXXX account was opened in XX/XX/XXXX. I requested Experian to request XXXX XXXX to provide proof ( in form of documents that clearly display my signature ) and if none provided by XXXX XXXX I requested Experian to remove the debt from my personal report. There is no documentation linking me personally to a corporate debt and lack of such proof should be be used to remove this negative report from my personal credit report.
Consumer complaint received 2019-10-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CURO Intermediate Holdings (TX)

I received a loan in the amount of {$300.00} in XX/XX/2019, and I have been paying {$66.00} every 2 weeks since then, which totals 10 weeks as of today XX/XX/2019, totaling {$660.00} I have already paid them. When I made my first payment on XX/XX/2019, It showed I had a balance of {$300.00}. When I made my 2nd payment on XX/XX/2019, it showed my balance was XXXX. When I made my 3rd payment, it no longer showed me a balance. I have been paying every 2 weeks, {$66.00}, and as of right now, they are still saying my payoff balance is {$370.00}. It continues to increase as I made a payment. This was not discussed with me by anyone when I took out the loan.
Consumer complaint received 2022-06-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (OH)

Someone sent me a payment via Zelle. I did not have Zelle at the time. I received a confirmation text of the payment. I signed up for Zelle through my bank. Zelle states they " don't have anything to do with the transaction '' and XXXX states there is no record. If Zelle doesn't have a record of the transaction ( I have the text ). How are they sending payments? Both companies are sending me to each other with no resolution.