davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-10
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. (IL)

I have found numerous errors reporting on my credit profile, at least 4 which I have listed below. I am receiving letters back stating the accounts have been verified as accurate and still have these same errors reporting. 

XXXX XXXX : Account number : XXXX This account was charged off as of XX/XX/2017. Since then, this account has repeatedly been updated as charged off every month. This is an update in payment history which to my understand charged off accounts should NOT an active payment history. Need I remind you ; this also violates the statute of limitations. 

The High Balance on this account is also inaccurate across all three bureaus, ranging from {$16000.00} to {$18000.00}. 

The Term length is also listed inaccurately amongst all three bureaus, ranging from a 1 month to a 72 month time frames. 

The Date of Last Activity is also reporting inaccurately amongst the three bureaus, ranging from XX/XX/2017 to XX/XX/2017.
Consumer complaint received 2021-09-07
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TN)

I already reached out to the credit bureaus ( XXXX XXXX  and XXXX  ) and to NISSAN MOTOR and notify them of their error posting for this account. The information they provided is different from other bureaus. The Date of Last Activity, Payment status, Payment History, High Credit, Date of Last Payment and Date Open are misleading and inaccurate. In addition, A charge-off should show a XXXX  balance. 

I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. No proof that this account belonged to me was given. No documentation was ever sent/received. The purpose of a time frame was to assure customers that disputes are taken so seriously that results must be completed within a reasonable time. They have failed to provide documentation and proof. Then I found out that the issue still persists, I just had to escalate to CFPB.
Consumer complaint received 2016-02-29
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: M&T BANK CORPORATION (TX)

I have a boat loan with M & T Bank. The required monthly payment is {$370.00}. My loan balance in XXXX XXXX was {$34000.00}. Since XXXX XXXX until XXXX XXXX, XXXX, I 've made {$3700.00} toward this loan. I usually make {$200.00} every two weeks. I have not checked on my loan account because I thought I have made monthly payment more than the requirement. Today I checked on my loan account online, and I found out my loan balance is still same as in XXXX XXXX, which is {$34000.00}. My loan balance has not gone down even a penny. All my payments made to this loan went straight to interest, not a penny was deducted toward my loan principle. I called and asked them why all my payments went to interest, nothing has gone to the principle. They told me all my payments of {$200.00} did n't meet the required minimum payment of {$370.00} ( even though my monthly payment was {$400.00} ), so all payments of {$200.00} went to interest.
Consumer complaint received 2024-02-19
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: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2017-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I started this chat with Capital One on Thursday, XX/XX/XXXX. I recently made a large payment of {$4300.00} on my credit card. Usually when I make a monthly payment it takes a day or two at most for my balance to reflect that payment. Now all of a sudden I am being told that there is a hold on my account because they have to ensure that the money was taken from my bank. I confirmed with my bank that the payment was processed on XX/XX/XXXX. This transaction is no different than any other aside from the amount. The money was taken from my bank yesterday, XX/XX/XXXX. Exactly one day after the payment posted. As I have stated if this were my usual $ XXXX monthly payment there would be no problem. However, it seems that now that I am trying to pay down the balance thus giving them much less interest there seems to be a problem with reflecting my available balance. I want them investigated for fraudulent business practices as it seems there is an issue. They of course would much rather hang on to that balance for as long as possible so they can get the interest. I paid a huge amount on another card that I have with them and there was no problem.
Consumer complaint received 2017-10-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (NY)

I am writing as a follow up to Complaint # XXXX ; In which The Company responded on XXXX XXXX, 2017, indicating that this account would be closed per A. XXXX ; XXXX XXXX. 
The account was indeed closed, finally after more than 2-weeks of my paycheck continuing to be garnished for a total amount of : {$330.00} being illegally garnished from my paycheck due to an illegal civil judgement. 
Since this time, I have not had any follow up from this company, or attempt to return the money that they have already received from my paychecks. 
I am asking that this full amount be retuned immediately.
Consumer complaint received 2020-10-20
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00}, {$440.00}, {$5800.00}, {$8200.00}, {$11000.00}, {$9600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 
-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

2. XXXX XXXX, XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO ACCOUNT 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account.
Consumer complaint received 2017-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (CA)

In a review of my credit report I have a hard inquiry from Discover, XXXX, DE. I have not applied for a discover card or any related to discover. I am working on my credit to keep my score down and noticed that this is the second time Discover, XXXX, DE has requested a hard inquiry. I was under the impression that only companies that I have given permission to run a credit report are allowed to access? It is a low impact on my overall credit, however, if I have not given permission how are they accessing? I had a discover card back in the XXXX, but that was paid off, how can they continue to request and why?
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

I'm a consumer who sent my FTC report to Experian, XXXX, and XXXX on XX/XX/XXXX and I still haven't received a verification letter for my dispute from either CRAs.
Consumer complaint received 2017-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (FL)

Discover send me a lot of letters offering me the Discover It credit card the last offer I was offered a 14 month 0 apr on opening the account perfect they gave me that but it says on the offer after that APR will be 13.24 % -16.24 % based on creditworthiness but ended up having a 21.74 % APR after the 14 months. I called 2 times explaining that no luck wrote to them they told me that is the lowest APR they can gime me. So why did they did send me multiple offers for a lower APR and then when I opened the account they gave me a one not near what I was offered. That it 's just false advertising they lie to the clients then when they have you on their hands everything changes.
Consumer complaint received 2024-02-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc. (AL)

Per my loan payment agreement for automatic payment, the loan is to be paid on the due date ( the XXXX of each month ) or the following business day. I had to contact them several months ago when the loan was taken from my bank account two days early, in XXXX XXXX  for the XXXX payment. I was told, " Oh, it's your bank. We send it to come out on the XXXX ''. According to my bank, that is not correct. The loan amount was, again, deducted early from my account this month. This is not a primary bank account and, if we plan on transferring the funds into that account the weekend before the payment is scheduled, and it is deducted early, we have to pay fees.
Consumer complaint received 2020-06-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (CA)

In XXXX or XXXX we purchased a XXXX XXXX XXXX for my son. The vehicle has since been paid off. In XXXX my son was XXXX. His daughter is now XXXX and would like the car for herself. I lost the pink slip in a fire and the only item I could locate was an old registration. The registration indicates that Wells Fargo is still the lien holder, as a result I am unable to transfer the title to my granddaughter.
Consumer complaint received 2021-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Granite Edvance Corporation (IL)

I consolidated all of my student loans in 2002, both XXXX and XXXX. I now have two very large loans and they have been in Income-based repayment for years now. My issue is that these loans were placed in deferment status for 11 years. Because of this, these years don't count toward the 25 years of payments in my repayment program. I know that loans should not be in deferment for longer than 3 years. So, I need to know if the status can be changed from deferment to another classification.
Consumer complaint received 2024-02-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

XX/XX/XXXX Property Address : XXXX XXXX XXXX, XXXX, AL XXXX Loan Number : Last XXXX : XXXX Reference : CFPB Complaint ID - XXXX, XXXX Copy : XXXX XXXX, XXXX Bank of America XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington DC XXXX Subject XXXX XXXX to XXXX XXXX Dated XX/XX/XXXX. BofA Violated Our Rights By Conducting a Fraudulent Foreclosure Sale XXXX. Contrary to their claim, Countrywide Home Loans never sent us, and as such we never received, any XXXX XXXX. That is why the copies they have sent are unsigned. 

XXXX. We did receive the XXXX XXXX XXXX on or about XX/XX/XXXX. 

XXXX. On XX/XX/XXXX we informed BofA of XXXXXXXX XXXX XXXX in the property that would cost {$15000.00} to remove. 

XXXX. Because the widespread XXXXXXXX XXXX XXXX poses a serious health risk to us, we had no choice but to move out of the property. We asked for loan principal abatement and loan modification, so we can address the huge cost of removing the XXXX XXXX XXXX. We never heard anything back from BofA. ( See attachments ) XXXX. We never received the alleged letter that BofA is claiming they sent on XX/XX/XXXX that we are ineligible for the XXXX XXXX XXXX XXXX. 

XXXX. We never received any letter from BofA that they claim they sent on XX/XX/XXXX that no assistance is possible as the foreclosure sale date was less than 30 days. 

XXXX. We never received any notice or letter from BofA that they are going to hold a foreclosure sale on our property. 

XXXX. We never received any notification from BofA about our right to redeem the property at least 30 days before the foreclosure sale. 

The foreclosure sale BofA they conducted on XX/XX/XXXX was fraudulent. Additional explanations about this fraudulent foreclosure was provided in detail in our CFPB Complaint ID XXXX. 

XXXX XXXX XXXX
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Verisk Analytics Inc (MI)

On XX/XX/2021 I disputed a Bankruptcy listed on my XXXX credit report online and via certified letter describing that the Bankruptcy does not belong to me, it's someone with a similar name and the dispute came back to me on XX/XX/2021 verified as accurate and remained on my credit report adversely affecting me as I am trying to secure a home loan and this erroneous information is compromising me. I wrote a letter to the Eastern District of Michigan Bankruptcy court county clerk, as was told that " The Eastern District Bankruptcy Court has no jurisdiction over credit reporting agencies and does not report to any of the agencies. The bankruptcy petition, schedules, and other documents are public records. I sent a follow-up letter to XXXX asking them to tell me what steps were taken to verify this bankruptcy and who did they verify it with, XXXX is violating my rights under the FCRA It is the policy of all bankruptcy courts to not report any information to the credit bureaus. The company Lundquist Consulting , Inc. is providing XXXX with false information about a Chapter XXXX  Bankruptcy that doesn't belong to me they are in violation of 1 15 U.S. Code 1681e - Compliance procedures.
Consumer complaint received 2017-10-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have send multiple dispute letters to Transunion in XXXX and XXXX and I have not received anything from them to this day. I sent the letters certified and have copies of the return receipts
Consumer complaint received 2020-08-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I opened an account with Bank of America. My account was compromised by an abusive partner I was I a relationship with. After I moved away, I received notice that there was a gym membership attached to my account. I contacted Bank of America and they asked for proof. I was able to obtain details of the membership agreement which was completed online. It had the name of my ex partner listed with my banking information. I provided details as well as the gym company providing details. Bank of America has asked for a police report however the state that I have moved to told me that I would have to file a report in the city the crime was committed in. The state that I moved from will not complete the report because I no longer reside there. I have all paperwork, the gym has a photo copy of the person who used the account, and the membership agreement completed online. Bank of America has not resolved this and are refusing to, yet they have reported to consumers by way of my credit report.
Consumer complaint received 2022-09-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (NY)

On XX/XX/2021 an order was placed on a pay pal account by a company from XXXX. ON XX/XX/2021 Pay Pal was contacted because money was withdrawn from my account and no merchandise was received. Pay Pal was unable to provide any tracking number because no order existed on that date other than the XXXX company that had a fake number and email address. My bank was contacted who took over the investigation and they lodged a complaint on XX/XX/2021. Pay Pal provided false documentation from XXXX XXXX stating that some merchandise was sent to my home with a fake tracking number for XX/XX/2021. I contacted XXXX XXXX and the tracking number did not match my name or address. I contacted Pay Pal and they continued to lie to me and provide false information and continued to disconnect me from the calls. I then participated in a three way conversation with Pay Pal and XXXX XXXX  in which Pay Pal admitted to providing the false documentation about XXXX  XXXX and that no merchandize was sent to my home and yet they still charged my account. Pay Pal stole {$79.00} from my account and I want it back!
Consumer complaint received 2017-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (TX)

I have disputed the account for XXXX through the credit bureaus. The results came back as meet FCRA requirements. 

XXXX need to provide documentation showing that I opened an account with them in XXXX XXXX. I never opened an account with XXXX in XXXX. 

I am asking for them to delete this account from my credit reports if they can not provided documentation showing that I opened an account with them in XXXX. 

And how can I owe on an account that I never opened in XXXX. 

And also to note, I have the proof showing that they removed the account from my credit and then put it back on my credit stating that I dispute and meet fcra requirments. 

This is not fair for them to report false information on my credit saying I opened an auto loan and XXXX. I never opened a loan in XXXX with XXXX or any auto lot. 

Please can this be resolved? I would greatly appreciate it. 

Thanks.
Consumer complaint received 2021-09-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I sent a dispute letter to TransUnion pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, this is ridiculous!
Consumer complaint received 2023-01-28
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. (TN)

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX