davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-25
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. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX 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 XXXX. I do not understand why they are abusing consumers .This 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2024-02-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, IN XXXX CREDENCE RESOURCE MANAGEMENT , LLC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear CREDENCE RESOURCE MANAGEMENT , LLC, I am writing to dispute any and all debts associated with my name in your records. As per the Consumer Financial Protection Bureau ( CFPB ) guidelines, I revoke all communication rights and request validation of this debt. I demand full disclosure, including the purchase agreement between your agency and the original creditor, as well as proof of your licensing and bonding. 

It has come to my attention that despite my requests, you have failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Yet, you have reported this debt to consumer reporting agencies, which is a violation of my rights under the same regulation. 

Furthermore, I have not been given an opportunity to dispute this account, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). Your actions constitute false, misleading, and deceptive practices, which are prohibited by the Fair Debt Collection Practices Act [ 6 ]. Moreover, your furnishing of this account to consumer reporting agencies without proper disclosures is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) [ 5 ], [ 4 ].

I demand that you cease all collection activities and remove this debt from my consumer report immediately.

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2021-03-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MCU Holdings, LLC (WA)

MCU has left numerous electronic messages stating I am delinquent or past due on this account. I have never dealt with, had any business association, personally or otherwise. I have asked them to cease any and all communication, as recently as approximately XX/XX/2021. I continue to receive correspondence.
Consumer complaint received 2024-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (GA)

I was incarcerated Beginning XX/XX/XXXX and ending XX/XX/XXXX, upon release I logged into my Chime Financial account and discovered a total of almost {$8000.00} was stolen from my account. Immediately I contacted chime, to which they denied my claim within 3 hours, I submitted documents providing the evidence of my incarceration, and my physical incapability to do the transactions. They have denied my 8 rebuttals as well, and I have been waiting for a response on a open rebuttal now, I was told they would have a response by XX/XX/XXXX and here it is XX/XX/XXXX and still waiting. Ive called and they always say itll be 1-3 business days and I should get an email, yet I have still not received anything. I just want my money back. Theyre giving me the run around and Im sick of it.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AR)

I submitted a complaint and received information back on XX/XX/XXXX that possibly a third party is involved, so the case was closed. I find that was extremely unfair that I must resubmit the complaint again. I am competent to submit this claim for myself and to explain what is going on with my account myself without the need of a third party. I do expect to get results this time since Im clarifying that I AM XXXX XXXX. I spoke with XXXX at CFPB, who told me to just submit a new complaint. 

Several accounts show that the dispute I submitted as updated, but nothing ever happens on the actual account. I dispute all of the accounts each time, but its not documented as such. These accounts arent being investigated or they would have been corrected or deleted by now. I never received a letter about the disputes, as Im sure youre aware, this itself is a violation of the FCRA. I got this information from the Experian app under alerts. XXXX Open : XX/XX/XXXX Balance updated : XX/XX/XXXX No date of last activity or date account will come off report Account Dispute Updated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Open : XX/XX/XXXX Status : XX/XX/XXXX No date of last activity or date account will come off report Account Dispute Updated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  Open date and status dates are the same : XX/XX/XXXX Balance updated : XX/XX/XXXX No date of last activity or date account will come off report Account Dispute Updated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX Status : XX/XX/XXXX No date of last activity or date account will come off report Account Dispute Updated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX  Open date and status dates are the same : XX/XX/XXXX Updated balance : XX/XX/XXXX No date of last activity or date account will come off report Account Dispute Updated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2018-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (CA)

AMERICAN HONDA Finance has posted DEROGATORY CREDIT REPORT. In XX/XX/XXXX I spoke directly to Honda Financial Services and was promised that any negative report would be removed. XXXX XXXX  XXXX sold the vehicle I returned to Honda for an outrageous amount making three times the difference of money owed. I was notified at the time Honda sold the vehicle and requested to sign a release of ownership. Later, as years have passed seems a personal intention to damage my credit. This account was deleted. Promises to delete were made by e mail by Honda Financial. However this account appears again not only after was deleted, but in violation to the California and Federal rights. 
Credit was closed in XX/XX/XXXX. Not only this derogatory reposted credit has ruined my reputation, but I have received a letter from XXXX lowering my credit line due to Honda derogatory credit. 
In the State of California as in USA, 7 YEARS after a credit age, the credit has to be removed. Worse if the postings bring defamation to the life of a Citizen. 

Under the United States Court of Appeals, Fifth Circuit, Case No. XXXX, XXXX XXXX vs. XXXX, XX/XX/XXXX. Court Ruling Section 1681o authorizes a consumer to recover actual damages sustained from the consumer reporting agency 's negligent violation of a requirement under FCRA. 
Actual damages include humiliation or mental distress, even if the consumer has suffered no out-of-pocket losses for derogatory credit defamating my character as it is, especially after having spoken with Honda Financial and having Honda promised to delete the derogatory adpect and the credit. Honda never  released the total amount of sales, yet they notified the vehicle had been sold with sufficient funds to have the credit corrected.. The credit was opened on XX/XX/XXXX and vehicle re-acquired by Honda few months after.
Consumer complaint received 2022-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

I am following up on a collection notice I received stating that I owed unpaid rent for XX/XX/XXXX in the amount {$1100.00} due to me moving or lease termination. I am still living at the address in question uninterrupted since XX/XX/XXXX and have not missed any payments. 

I previously addressed this issue in court in XXXX and the case was dismissed since I did not owe the funds. I was unaware the collection remained until completing an application to rent another property and I was contacted by mail from a collection agency trying to collect on the same debt.
Consumer complaint received 2022-02-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MA)

We ended our forbearance with Mr. Cooper ( Nationstar ) in XX/XX/XXXX. As of yet we can not get them to provide updated statements with payment & date due, have not sent us any information by mail or to our Mr. Cooper online account. They took {$990.00} from us when I called them on XX/XX/XXXX to see what was happening and they said that amount was due by XX/XX/XXXX which was only 3 days later and NO ONE had contacted us stating that amount was due and by XX/XX/XXXX. Had I not called to try to get an update we would have missed it. Just tried to get more info over the phone yesterday ( XX/XX/XXXX ) and the woman totally gave me the run around, could not answer any of my questions, sent me something by email I could not even open. I'm scared they are trying to set us up to take our home- this company is notorious for being shady! They shouldn't be allowed to be in business. They stole {$400.00} from us a few years back and I simply do not trust them.
Consumer complaint received 2021-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be updated.
Consumer complaint received 2021-03-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Hi, last month I filed another complaint against carringtonm mortgage services llc, last month after I received the home insurance premium, I contacted carringtonm M S LLC., to get the new analysis, they told me that the new payment will be {$350.00},, last year the home Insurance premium was almost the same as this year and I paid every month the same amount, but today XXXX I received another different analysis for {$400.00}. On XXXX several times I called carringtonm and they told me that the new analysis will be the same as last year, about {$350.00}. Every year I have to file a complaint against carringtonm because they do the same tricks and trying to get more money. Last complaint was because carrington didn't wait the 30 days period for me to pick a different insurance, so I did it, then the house payment went down, but this month they increased again. Carringtonm mortgage services llc XXXX fax : XXXX. 

I
Consumer complaint received 2022-02-06
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 XXXX There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2021-10-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

My XXXX report does not contain a Bank of America credit card account on which I have been a co-account holder with my husband for several years. This is causing my credit score to be lower than it should because this is our main credit account. It is reported correctly to XXXX and XXXX. Bank of America reports to me that they have contacted XXXX on four occasions regarding this without response : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all without a response from XXXX. I have made several phone calls between companies and am unable to get this issue resolved. Bank of America refuses to give me documentation of these contact dates in writing. They also refused to speak with the XXXX representatives on a conference call with me to help resolve this issue.
Consumer complaint received 2021-07-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (CA)

NFCU : So many companies have totally lost integrity, ethics, morals, values, a soul - during COVID19 and are targeting, bullying and clearly violating the law.

This is starting to become a regular issue and I am trying to figure out why. The money was in there however somehow ; I have been charged ten overdraft fees. NFCU is purposefully doing math wrong. I am shocked at NFCUs unethical overdraft practices which are impacting my transactions. My checking account has been compromised by abusers.

Commingling with my checks, bill payments, debit card transactions, and ATM withdrawals each day then taking a week to process transactions - a violation of NFCU policy. I understand COVID19 has impacted operations but what is being done to my account is a violation of law. NFCU is manipulating the order of my transactions to maximize the chances I will be charged an overdraft fee. The transaction order ( not chronological ) and the way NFCU is processing various types of debits and the time period ( a week ) doesnt allow me to keep track of what NFCU is doing I am unable to anticipate and avoid overdraft fees NFCU is stealing really. 

I am head of household - not by choice. I have children that I need to take care. NFCUs complexities of the payment process and operational efficiency needs to be evaluated. I have been a member for 16 years - shame on you NFCU. 

XXXX XXXX
Consumer complaint received 2022-02-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: HYUNDAI CAPITAL AMERICA (TX)

WHEN I DIAL XXXX XXXX XXXX PROMPT SAYS THAT I HAVE XXXX ACCOUNTS : XXXX, AND XXXX. 
XXXX???????? 
XXXX WAS TRADED IN XXXX OF XXXX TOWARDS ANOTHER XXXX AT XXXX XXXX ( PLEASE SEE ATTACHMENT ) I HAVE NO RESIDUAL OBLIGATIONS FOR THE XXXX THAT WAS TRADED. 
ONE AGENT TOLD ME THAT I OWE OVER {$300.00} BECAUSE I, " DIDN'T CANCEL MY PLATE. ''???????? 
TODAY, XX/XX/XXXX, A, XXXX TOLD ME I NOW " OWE {$100.00} FOR A PROPERTY TAX. ''????? 
GET THE " {$100.00} '' FROM XXXX XXXX WHO CLEARED THE XXXX AS A TRADE, PLEASE!
Consumer complaint received 2021-03-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

In XXXX and XXXX of 2021, I filed a dispute with this credit bureau about the unverified U.S. Bankruptcy Court case number XXXX XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. Thank you
Consumer complaint received 2019-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

As of XX/XX/XXXX the remaining loan balance prior to an unlawful repossession was {$3100.00} The company then added on {$5000.00} in fees. Failed to disclose the sale of the vehicle in auction accordingly. 
The company continually refuses to provide proper documentation regarding the fraudulent and exhorbitant fees. 
The date of first delinquency is XXXX of XXXX After multiple disputes directly and through the credit bureaus the company continues to update the account by re-aging the late payment status and continues to reflect an incorrect balance
Consumer complaint received 2018-07-02
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Accounts, LLC (NC)

Shared information about a past due debt with my daughter. after they shared the information she told them I was not there them they asked her why she answered the phone. to start with they have invaded my privacy with sharing my information with a member of my household. 
have asked them before not to call my home as I am not paying this bill.
Consumer complaint received 2021-10-28
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
Consumer complaint received 2018-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Patenaude & Felix A Professional Corporation (NV)

I would like to file a complaint against Collection Agency, Patenaude & Felix , A.P.C., as this company has violated the Fair Debt Collection Practices Act ( FDCPA ), Section 807 ( 2 ) ( a ) " The false representation of - the character, amount, or legal status of any debt. '' The last verbal affirmation of this debt and attempt to collect payment was made XX/XX/XXXX at approximately XXXX ( PST ) by a Patenaude & Felix , A.P.C representative via phone. The company also attempted to contact me via phone on XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX, I was contacted by Patenaude & Felix , A.P.C., regarding a debt with XXXX XXXX Credit Card Company, Communication was written form, as well as verbal communication via phone. I was repeatedly contacted and advised that I owed this debt and needed to make payment arrangements with Patenaude & Felix to  pay the balance of XXXX. In XX/XX/XXXX, I was afraid of being sued, so I agreed to start paying on the debt. However, upon consulting with a credit repair company, I was provided with a copy of my XXXX Credit report, which reflects that XXXX XXXX reported that this debt was discharged in bankruptcy ( Page 3 of uploaded documents ). Upon further review of this same credit report, XXXX   reports that Patenaude & Felix, A.P.C accessed my XXXX credit report on XX/XX/XXXX and two different times on XX/XX/XXXX, making it evident that Patenaude & Felix, A.P.C was aware that this debt had been reported by XXXX XXXX as " discharged in bankruptcy '', yet the company continuously violated Section 807 ( 2 ) ( a ) of the Fair Debt Collection Practices Act by fraudulently misrepresenting the status of the debt, in an effort to obtain payment. In using the internet to research this company, I found many incidents of complaints, due to racial profiling and  unethical collection tactics toward individuals XXXX XXXX, which also leads me to believe that these continuous effort to collect a debt, reported by the original creditor as " discharged in bankruptcy '' may have also been racially motivated.
Consumer complaint received 2024-02-14
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (NY)

I was contacted by a collection agency for an account I never opened at an address that was never my residence. An identity theft report was made to the FTC and a police report was filed. I requested copies of any applications, ID 's or contracts so that I could turn them over to law enforcement but the collection is refusing to provide these documents.