davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-14
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. (CA)

I submitted a compliant against XXXX, XXXX, and EQUIFAX about the account by XXXX on my consumer report on XX/XX/2023 and I received a computer generated response on XX/XX/2023 that did not resolve my issue of XXXX using my credit report for reasons that do not abide by federal law. I have the right to privacy and 100 % accuracy. On XX/XX/2023 XXXX, XXXX, and Equifax reported inaccurate information regarding XXXX on my credit report, I have received several responses through CFPB from all THREE credit bureaus that they have confirmed and verified the information with the account mentioned is correct when that is impossible, I will be submitting proof that the credit bureaus did not update the inaccurate information and in-fact reported MORE inaccurate information which I have highlighted in the document I will attach with the complaint. On XX/XX/2023 I highlighted all inaccurate information regarding the account and when I received my new report on XX/XX/2023 it was still inaccurate information reported on my credit report by the three credit bureaus. I will no longer accept the computer generated responses that doesnt rectify my issue I am demanding the credit bureaus mentioned in this complaint to remove the account mentioned in this complaint from my credit report IMMEDIATELY due to failing to update inaccurate information. 
I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 
Accounts : XXXX account XXXX XXXX
Consumer complaint received 2018-12-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COLLECTECH DIVERSIFIED, INC. (TX)

in XX/XX/XXXX I had a unpaid ballance of XXXX dollars from a local utility company that I was unaware was unpaid. I called to transfer services to my new address and it was told to me by the representative that I had an unpaid ballance that needed to be paid before services could be transferred. I made the payment that day in full of XXXX dollars plus a XXXX dollar transfer fee totaling XXXX. 
in XX/XX/XXXX I had discovered on my credit report that the amount for XXXX was being reported and have reached out several times to the debt collector and the account holder, providing proof of payment and thus far both companies are refusing to remove this inaccuracy from my credit profile. I have hired credit repair companies and they have also been unsuccessful. I believe that this collector is violating the laws under the fair credit reporting act, & the privacy act, and they have no intention of complying with the law.
Consumer complaint received 2022-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (PA)

I askedcompany to cease and desist at least 3 times by mail, they are still sending me letters in regards to the debt. I asked company to validate debt over 3 times, they couldnt. They are still reporting debt and in violation of the fcra. I would like debt removed and settlement in regards to their numerous violations
Consumer complaint received 2018-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2018, I went to deposit my check into my Bank Of America account and when I deposited the check, on my receipt it stated that there was a hold placed on my deposit and I would not be able to access it until XX/XX/2018 which is 3 days shy of two weeks and my next paycheck. I spoke to the manager of the BOA location who told me there was nothing he can do about it and that my check was gone until the XX/XX/2018 date. His explanation for the hold was that BOA has a policy that your first time depositing a check from a new place/job your check is automatically placed on hold ; a policy that is NEVER told to the consumer until event such as this takes place. I had no knowledge of this policy and now I am being forced to wait 2 whole weeks before I can access my check so they can take all of the time to " verify the check is real ''. I was told to contact customer service because they would be able to help but costumer service was no help as well as I was still told there was nothing g they can do and have to wait the 2 weeks to have access to my funds. This so called policy that BOA is very outlandish and is not in the best interest of the consumer. A person 's bills and ability to put food on their table for their family can not be placed on hold, so to deny your consumer their check for basically two weeks is not ethical and asked a disregard for the consumer. I have never had this problem with any other bank.
Consumer complaint received 2018-04-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

XXXX has mishandled my payment instructions and has delayed for several weeks in fixing its error. Submitted payment of {$95000.00} on XX/XX/XXXX, which XXXX misapplied ( even though I uploaded payment instructions per their direction 10 business days before sending this payment ). Previous CFPB complaint " resolved '' by XXXX and marked closed by CFPB, wherein XXXX stated on XX/XX/XXXX : " [ b ] ecause you provided special instructions for how you want the payment applied, the payment will be reapplied according to your instructions. Although it may take a few business days to process the reapplication, once it has been reapplied the payment will still be effective the date it was received, XX/XX/2018. '' It is now XX/XX/XXXX and no change. I now need to complete my annual re-certification of IDR and my loan balance is not correct due to XXXX 's continuing error. XXXX must do better.
Consumer complaint received 2021-11-04
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Late close XXXX XXXX XXXX {$0.00} Charge Off XXXX XXXX {$640.00} XXXX XXXX {$1200.00} Collection XXXX XXXX XXXX XXXX {$700.00} ( Original Creditor : XXXX XXXX ) XXXX {$1100.00} XXXX XXXX {$720.00}
Consumer complaint received 2022-03-08
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. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-08
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. (MD)

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 Equifax Credit Bureau the date of the last letter was on XX/XX/ 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Chime Financial Inc (CO)

When I originally opened my chime account I received a credit builder card. A couple months later it was deactivated. No one would tell me why. Months later I closed my chime account after they refused to reverse a payment to XXXX I never received my order and was out {$99.00} after chime denied my dispute. A few weeks ago I reopened my chime account and asking about the credit builder card and now Im being told Im not eligible because I closed the account. 1 I never closed the credit builder card. 2 I did not have a credit builder card when I closed my account.
Consumer complaint received 2018-08-04
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)

About 2 years ago I filed a chapter XXXX bankruptcy where my student loans were not forgiven. On the credit report with all three credit reporting agencies ( transunion, XXXX, and XXXX  ) refuse to remove bankruptcy on all my closed XXXX accounts. They claim the loan provider XXXX verified it was discharged in bankruptcy. This is not true. My loans where discharged through XXXX from XXXX  for being a XXXX veteran. I called XXXX  numerous times and the have sent over proof they were closed due to XXXX but reporting agencies have continued to report bankruptcy. Im considering a class action lawsuit if not resolved. On a seperate complaint I have 18 hard inquires due to fraud they refuse to remove too
Consumer complaint received 2024-02-04
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. (FL)

IN ACCORDANCE WITH THE CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 CONSOMER REPORTING AGENCYNCANNOT FUMISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2018-08-04
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. (PA)

About 2 years ago I filed a chapter XXXX bankruptcy where my student loans were not forgiven. On the credit report with all three credit reporting agencies ( XXXX, XXXX, and experien ) refuse to remove bankruptcy on all my closed fedloan accounts. They claim the loan provider fedloan verified it was XXXX in bankruptcy. This is not true. My loans where XXXX through TPD from fedloan for being a XXXX veteran. I called fedloan numerous times and the have sent over proof they were closed due to XXXX but reporting agencies have continued to report bankruptcy. Im considering a class action lawsuit if not resolved. On a seperate complaint I have 18 hard inquires due to fraud they refuse to remove too
Consumer complaint received 2018-08-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (AL)

I applied for a car and it was approved but the car payment was {$800.00} a month. So, I never took possession of the car, or drove it off the car lot. I contacted them back and told them that I did not want the car. Well, they never told the finance company, and the finance sent them a check. So with that being said I received a bill from the loan company. The bill stated : Total Amount Due XXXX Account Number XXXX Due DateXX/XX/2081 CXXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX
Consumer complaint received 2021-06-08
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (MD)

The company Santander was contacted for reporting misinformation on my credit report, both XXXX and XXXX  were contacted as well to verify the information on file. The bureaus stated that they could not remove the information provided by the company Santander. The account is currently in charge off status, the written off amount was for {$6600.00} however the listed amount says {$7500.00}. When an account is in charge off status it is not supposed to accrue any fees or interest. Between the two of the bureaus, each of them show misinformation about the accounts, in which it's causing derogatory marks on my report giving it a negative impact. While I understand that each report may not 100 % reflect that of another report, if the same information is being reported to each of the bureaus then the reports should reflect this.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. 15 usc 1681i ( a ) ( 1 ) ( a ) ( 5 ) ( d ) ( 6 ) ( b ) ( iii ) ( 7 ) PLEASE NOTE This entire statue states and proves that the credit reporting agencies are not thoroughly investing the neglected and fraudulent accounts on my report. They are using automated systems to run my report and that is not effective enough when protecting my privacy. As the law states, I have the right to know how the credit reporting agencies are doing their due diligence and investigation on these damages. As this my 3rd time trying to remove these items so I can buy a homeThis is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT furnish people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2023-01-29
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A states : I have the right to privacy.

15 US 1681 section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions 15 US 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 US 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 information is inaccurate.
Consumer complaint received 2022-03-08
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. (MD)

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 Experian Credit Bureauthe date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with theFairCredit Reporting Act law and continued to report inaccurate information on my creditreport. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY XXXX : XXXX XXXX
Consumer complaint received 2020-07-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

I filed Chapter XXXX  Bankruptcy on XX/XX/XXXX, which included my mortgage with Pacific Union Financial , LLC. In XX/XX/XXXX, I was notified that my mortgage would be transferred to another servicer effective XX/XX/XXXX. 

Nationstar Mortgage LLC d/b/a Mr. Cooper began receiving my monthly payments starting in XX/XX/XXXX. Every month from XX/XX/XXXX to XX/XX/XXXX, I called to schedule a payment for the total monthly amount. I began getting monthly statements and when I question them, I was told that since Im in bankruptcy the statements are not accurate. 

On XX/XX/XXXX, I received a statement for XXXX payment which showed I owed {$4400.00}. The same day I called to schedule my XXXX payment for XX/XX/XXXX, and question the amount. I was told that I was audited and owe for XXXX, XXXX, and XXXX payments. I requested them to re-audit me because my bank statements clearly verify that they were paid every month. 

On XX/XX/XXXX, I contacted Nationstar Mortgage d/b/a Mr. Cooper to again check on the status of my account. I was told that the payment I made would be applied to XXXX mortgage, but I still owe for XXXX and XXXX. As she reviewed my account, she stated, my monthly payment is {$1400.00} and I have been short of a little under {$2.00} every month and she could provide my statement to my attorney to let them know I have not been making the correct payment every month. I suggested that she review the recorded lines of my phone conversation every month that clearly requested the exact monthly amount due be taken out. 

Nonetheless, lets assumed that because of their error on applying the exact amount, it would have not affected my mortgage, but the changes adjusted to my escrow account. The question becomes ; where is the overage from my escrow account? I am a XXXX  XXXX  XXXX veteran and exempt from the majority of property taxes. Prior to the transfer, Pacific Union Financial, applied my overage to claim arrears. 

I can only come to the conclusion that if applying this year 's overage to my claim arrears it would have eliminated all claim arrears due.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX Account Info Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Type Auto Lease Responsibility Signer with XXXX XXXX Date Opened XX/XX/XXXX Status Paid, Closed/Never late. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Original Balance {$15000.00} Highest Balance - Terms 36 Months On Record Until XX/XX/XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met XXXX Closed This account is scheduled to continue on record until XX/XX/XXXX. 

Contact Info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-29
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: JPMORGAN CHASE & CO. (FL)

I have a loan with CHASE MTG and DPT ED/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, CHASE MTG and DPT ED/XXXX with no successful resolution. XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX # XXXX they reported incorrectly on my credit report 30 day late payments which is incorrect. 
i tryed to get this corrected 2 times already and all they did was comment that acct is current. but did not remove the 30 day late payment on my reports which are in red and affecting my credit score.please update and remove the 30 day late payments. 

XXXX XXXX 30 days late -- incorrect XXXX XXXX 30 days late -- - incorrect