davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-16
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

XXXXXXXX XXXX  client XXXX XXXX is a victim of ID theft. His information was used to apply for credit accounts without his permission. While accounts were not established the application process left fraudulent related inquiries on his credit reports. Kohl's/Cap One and XXXX are items that remain on a credit report as inquiries after having been verified as fraud related. These inquiries left on the reports are a violation of the FCRA and my clients consumer rights. A previous escalation of Kohl's/Cap One was made to the CFPB, a letter confirming the removal of the data was received however an Experian credit report obtained XX/XX/2018 still has Kohl's/Cap One listed in the hard inquiry section of the report.
Consumer complaint received 2018-10-16
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-05-04
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. (OK)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-06-10
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: DISCOVER BANK (OK)

A fraudulent account is being listed on my credit reports from Discover Bank. 
Account Number XXXX. I never had this account and after numerous attemps of disputing the item, The Discover Card Company is refusing to remove the account. I have filed police reports about the identity theft and filed a complaint with the FederalTrade Commission but the XXXX  and XXXX  Companies are refusing to remove the fraudulent account stating the account is verified from the Data furnisher from The Discover Bank. I wrote Discover Bank for validation of the account and they refuse to send anything stating that this account can not be found. I want the credit reporting agencies to remove the fraudulent account or list it as a fraudulent account. 
Discover Bank XXXX XXXX XXXX XXXX, DE XXXX. Is the address that XXXX  says the data is being reported from.
Consumer complaint received 2018-10-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (TX)

I am currently disputing debts that are allegedly owed on my credit reports. I have sent numerous letters to the collector to validate other alleged debts - which they have not been able to validate and now they have added another older debt onto my report for {$930.00} and {$980.00} dating back from 2012. Ever since I have asked for validation from this collector they are arbitrarily and viciously adding more debts without my knowledge that the debt even existed without sending me proper notices for validation. I have been sending these letters of validation and they have failed to validate that any of these alleged debts are mine without proper proof. Furthermore, these debts are outside of the statute of limitations. I will also be filing complaints with the XXXX  and the Texas Attorney General 's Office today.
Consumer complaint received 2018-10-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (ME)

On XX/XX/XXXX I forwarded a {$1600.00} loan payment to Rushmore Loan Management Company. These monies were for one complete payment and a partial payment. On XX/XX/2018, Rushmore Loan Management electronically cashed this check. In XXXX I was getting phone calls stating my loan was in default. I questioned this as I had sent in the {$1600.00} payment. I have gone back and forth on this matter with Rushmore from XX/XX/XXXX to the current date of XX/XX/2018, with no resolution. Rushmore told me they would have to investigate this matter as they stated they did not receive payment. I called my financial institution to get a trace number so that Rushmore Loan Management could find this payment in their system. To date, I am being told this is under investigation. Two weeks ago, a XXXX XXXX 's bank representative and myself made a conference call to Rushmore loan management in another attempt to find out where this payment has gone. This phone call did nothing but leave me in the investigation phase. In the meantime, Rushmore is refusing to take any further payments towards my loan ; stating that one payment does not make up for what is currently owed. 

My house is currently under contract with a closing date of XX/XX/2018. Despite my constant attempts to resolve this matter, I have been unsuccessful.
Consumer complaint received 2018-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (MA)

Home Point Financial sent us the annual escrow account statement in XXXX which included the option of a catch up payment of {$2400.00} and a mortgage payment of {$2800.00} or a new mortgage monthly payment of {$3000.00} to incorporate the shortage in the escrow within our monthly payments. As we are paid several months ahead on our mortgage we made the following three payments : 1 )  XX/XX/18 {$2400.00} Escrow Catch Up 2 ) XX/XX/18 {$2800.00} New Mortgage Payment if Escrow Catch Up is Paid ( XXXX ) 3 ) XX/XX/18 {$180.00} Difference in XXXX Old & New Payment ( Old Payment {$2600.00} ) The problem is that the company applied the Escrow Catch Up payment to Principal and has yet to apply the {$180.00}. I went online and discovered the issue and called approximately on XX/XX/18 and was told it would be resolved. I went online again on XX/XX/18 to confirm the correction and nothing had changed. I contacted the company again and was told that my request for this correction was denied. Apparently, this issue is being moved to a Director for consideration. As the customer and consumer I am extremely upset about the way I am being treated and the way the company is handling their mistake. I welcome any assistance that can be provided.
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Everytime i am asked for my name and identification documents by authorities, a file of someone else criminal activites shows up upon giving my ca id # .. at one point in time i was called by XXXXpolice officer asking me if i want him to mail my id card to same address on the card, bec supposedly jt was comphiscated from someone whos been using it for cashing checks, openninh bank account, issuance of checks and others that can be easily obtain thru my card. And i dont think i filed anything against that wrongful act. And so many years passed, i realized why is it i can open no checking account, have a credit card and even getting trouble as far as going to jail ... this became so serious and i dont know how to clean it. Im XXXXyears old now and i havent achieved anything as far as my rights to have anything and evrything i deserve because of this particular individual who used my id to commit criminal acts. If im not mistaken shes also used my ss number. Her name was given by officer in processing my last encarceration : Name XXXX XXXX From XXXX XXXX, Ca Please help me.. 
XXXX Cell ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX, Ca XXXX
Consumer complaint received 2018-10-16
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 — Problem with personal statement of dispute
Company: Bridgecrest Acceptance Corporation (NC)

Im a service connected veteran I lost my job two years ago once I lost my job I made partial payments to Bridgecrest ( XXXX ) once I received a increase for my XXXX I caught my car payment up and set my payments on auto pay. XXXX has 16 inaccurate late payments on my report. I raised my score 160 points less than six months on my own however these late payments are affecting me personally and my score tremendously. I should have a 700-750 credit score but the late payments is causing my score to stay low. I have 30 days to move out of military housing and I cant rent nor purchase a home with my va loan due to the inaccurate late payments. I sent numerous goodwill letters pleading for forgiveness explaining what caused me to fall behind and My request was denied because my address wasnt updated. BRIDGECREST ( XXXX ) didnt update my address when I personally called to do so. I am currently caught up on my payments and will continue Lets me be clear every month I made a payment however its reported I didnt pay at all. My car payment is {$450.00} a month I only receive XXXX and just about every month my car is in the shop. I explained to Bridgecrest my issues but they wont help. Im currently fighting XXXX  XXXX due to BRIDGECREST IM IN DESPERATE NEED TO HAVE THESE LATE PAYMENTS DELETED FROM MY REPORT. I pay {$450.00} for a car that has over XXXX miles I cant trade it in nor can I refinance. Im in desperate need please help
Consumer complaint received 2018-04-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

I contacted Wells Fargo regarding a purchase from XXXX XXXX for a vehicle that I rented which did not meet my expectations. Issues with the vehicle included faulty unsafe equipment, AC that did not work, and ultimately vehicle suffered a mechanical malfunction. XXXX had been notified through their consumer relations department and through two separate XXXX XXXX XXXX complaints. ( Complaints XXXX onXX/XX/XXXX, and XXXX on XX/XX/XXXX respectively ) Wells Fargo was contacted on XX/XX/XXXX and instructed to place a stop payment on any XXXX transaction. They were given card numbers, and pertinent details regarding the matter. Additionally, they were contacted again on the XX/XX/XXXX and given a specific dollar amount to add to the stop payment order. On XX/XX/XXXX, the transaction in dispute posted to my account in the amount of {$1100.00}. On XX/XX/XXXX, I was informed to file a dispute to the transaction. Upon speaking to the dispute representative, I was informed that I did owe them money, that I did purchase a product from them. Wells Fargo is not the moral adjudicator for my financial dealings, nor do they have sufficient information to determine whether XXXX honored their portion of their obligation to me. Wells Fargo did not act within the scope of their obligation on my behalf. Wells Fargo did not honor the stop payment requested by me on two different occasions, and Wells Fargo did not act in good faith on my behalf, their customer. The representative simply read XXXX invoice ver batum. I was under the false impression that Wells Fargo sought to assist their customer, not act on behalf of the merchant.
Consumer complaint received 2023-07-04
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. (AR)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have always made my payments on time. For some reason, I realized that there is late payment on my credit report and I do not believe I was late on the dates they are reporting. This account should not be showing the current status of late since it's already been paid for. It seems impossible to accrue late on an account that has already been paid. Thise account should be corrected right away : XXXX XXXX XXXX : {$10000.00}
Consumer complaint received 2022-05-04
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (NY)

XXXX in XXXX contacted me regarding some devices in my account ( 1 router and 2 cable boxes ) to be returned. I had cancelled the account in XXXX and they needed these devices back to clear my balance. I mailed them in XX/XX/XXXX. Months later for my surprise the account had been placed into collection. I called XXXX several times to dispute this and they told me that this needed to be fixed/negotiated directly with the collector. In XX/XX/XXXX I contacted the Department of Consumer and Worker Protection in XXXX. A financial counselor from this department suggested that I should request verification of this debt and settle the account for any charges that I recognized. Perhaps, I decided to call the collector and negotiated this account in XX/XX/XXXX. I wanted to close this and I was tired of trying to fix this for almost 2 years. I always make every effort to pay my debts and fulfill my responsibilities, In this instance I feel that is not fair this account continues reflected into collection. I have paid it. 
Under the federal Fair Debt Collection Practices Act, a debt collector generally is a person or a company that regularly COLLECTS DEBTS OWED TO OTHERS, usually when those DEBTS ARE PAST-DUE. Based on the information provided above, this debt is no longer in collection. This is not my fault.
Consumer complaint received 2019-03-20
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. (CO)

Equifax ; XXXX and XXXX are incorrectly reporting the coding on the XXXX - account number XXXX. It is being reported as a code M5. There is a {$0.00} balance and {$0.00} past due on this account. This incorrect coding is harming my credit score and is a Fair Credit Reporting Act violation.
Consumer complaint received 2018-10-16
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. (GA)

Recently XXXX XXXX  XXXX wrote back to me, and addressed my concern about a false paid charge-off account in my name and I was told to forward that letter to Experian and XXXX ... Experian and XXXX still will not remove or correct it ... I do not understand, and litigation will surely follow ... I am quite displeased with the false reporting, and XXXX   verification method which is faulty, and have so many consumers displeased ... the companies and collection agencies are not verifying these items, and even when this is brought to the attention of the bureaus that still insist on violating the law and our rights ...
Consumer complaint received 2018-10-16
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. (GA)

Recently XXXX XXXX wrote back to me, and addressed my concern about a late payment in XX/XX/2018 and I was told to forward that letter to Experian and XXXX  ... Experian and XXXX  still will not remove the late payment ... I do not understand, and litigation will surely follow ... I am quite displeased with the false reporting, and XXXX verification method which is faulty, and have so many consumers displeased ... the companies and collection agencies are not verifying these items, and even when this is brought to the attention of the bureaus that still insist on violating the law and our rights ...
Consumer complaint received 2018-10-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (OH)

I have had a mortgage account with US Bank for a year and per XXXX XXXX they are reporting that I've been paying 30-59 days late every month since XX/XX/XXXX. US Bank had contacted me by phone and I had advised them that I had sent them a physical check on the mail back in XX/XX/XXXX but it turns out I sent the wrong check to US Bank address. I don't believe it to be fair that one payment being late should then make all payments going forward to be considered late. 

I recently set up automatic payments directly from my bank account to ensure they receive payments on time and made a double payment to bring my account back into good standing. 

This is severely affecting my credit score and ruining my chances of getting new credit lines.
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed the late payment status reported on the account XXXX  XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously.
Consumer complaint received 2022-05-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I have submitted disputes to you and I didn't get a response within 30 days and y'all are required by law to do so. Please investigate my disputes. Please. Thank you.
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

A Bankruptcy is being reported on my credit reports. When disputed I was informed that the item was verified and when I followed up I found that the proper channels and procedures were not used to verify the information per the FCRA. 

The CRA failed to contact the original furnisher listed on my provided credit report Required by section 611 of the FCRA : OHIO FEDERAL COURT -XXXX XXXX XXXX XXXX XXXX , OH Instead they used a 3rd party Called XXXX . XXXX is not eligible to be referred as a Furnisher due to being a consumer reporting agency itself. 


To Further the issue I have received written confirmation that the court itself does not verify or provide any information to any 3rd party entity. 

This being the source making the information unverifiable per the FCRA and should lead to its deletion. 

I have disputed this issue and have also informed the CRA of the violations and yet still received a verified response with no further information. 

I have disputed this information several times and now ask for your help.
Consumer complaint received 2018-10-16
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. (IL)

A Bankruptcy is being reported on my credit reports. When disputed I was informed that the item was verified and when I followed up I found that the proper channels and procedures were not used to verify the information per the FCRA. 

The CRA failed to contact the original furnisher listed on my provided credit report Required by section 611 of the FCRA : OHIO FEDERAL COURT -XXXX XXXX XXXX XXXX XXXX , OH Instead they used a 3rd party Called XXXX . XXXX is not eligible to be referred as a Furnisher due to being a consumer reporting agency itself. 


To Further the issue I have received written confirmation that the court itself does not verify or provide any information to any 3rd party entity. 

This being the source making the information unverifiable per the FCRA and should lead to its deletion. 

I have disputed this issue and have also informed the CRA of the violations and yet still received a verified response with no further information. 

I have disputed this information several times and now ask for your help.
Consumer complaint received 2022-06-12
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. (FL)

In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX account beginning with XXXX have 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.