davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-30
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: Experian Information Solutions Inc. (AL)

From XXXX of 2021, I filed a dispute with Experian, XXXX and XXXX about the inaccuracy being reported on my credit report of the accounts XXXX XXXX -- XXXX and XXXX  XXXX. There are two different high balances being reported, {$960.00} on XXXX and XXXX but {$0.00} on Experian for the XXXX XXXX, and different dates of last activity for the XXXX charge off.. How is this even possible when you're supposed to have the same accurate information reporting according to the FCRA. I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureaus in several months.after numerous attempts. 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 these bureaus about this inaccurate account as of today. Thank you
Consumer complaint received 2022-04-30
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX continues to violate my rights by exhibiting fraudulent hard inquiries on my credit report. I have filed an Identity theft report with the FTC and the local authorities in my city. Under the Fair Credit Reporting Act 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to protect my rights with accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Equifax has repeatedly broken the law in this regard and refuses to address my repeated disputes regarding these fraudulent Hard Inquiries. 

XX/XX/20XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XX/XX/2021 XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Consumer complaint received 2021-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have filed several disputes on regards of the unverifiable accounts reporting on my consumer credit report causing me a great deal of issues when going to a financial institute to extend myself credit. please help me verify these accounts, and if can't comply with the requirement of my attachments I will be seeking remedy on every consumer violation.
Consumer complaint received 2020-07-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN INTERNET MORTGAGE (MD)

AimLoan ( https : //aimloan.com ) says they don't accept self-employed individuals because they MAY HAVE used PPP or Mortgage Forbearance program or other aids. They haven't even checked my documents to see if I am capable of paying off the loan without their help or if I am taking any money from PPP or taking Mortgage Forbearance help etc. They haven't even checked if I missed any payments or even where do I stand in my mortgage or financial position. 

They ARE accepting W2 candidates even though they have been taking financial benefits such as PUA and/or state unemployment benefits!! Now this is distinctively case of discrimination. In Country of Opportunity and small business owners are discriminated!!

On one hand Mr President and government is talking about protecting economy by lowering rates and help common man reduce financial burden by refinancing, BUT, on the other hand lenders are disqualifying applications WITHOUT even taking a look at there application BUT just at a category " self-employed ''. 

This needs to be stopped. All homeowners, regardless of their source of income, should be considered equal. Otherwise this will be a first stone to the grave of housing crisis knocking our door! 

I asked to speak to The President Mr XXXX to voice my opinion and to ask if it's legal and ethical to do in given times. His representative reached out to rehearse the same policy. United States residents who are homeowner paying mortgages without failing and having average to better score should be protected and such lenders should be punished.
Consumer complaint received 2021-08-20
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: Experian Information Solutions Inc. (NJ)

On XX/XX/2021, I wrote Experian a dispute letter asking them to verify a bankruptcy that is listed on my credit report. Experian then responded back to my dispute letter on XX/XX/XXXX via the Experian online platform and stated that the company that reported the information has certified to Experian that the information is accurate. I went to the United States Bankruptcy Court in XXXX, NJ and verified with XXXX XXXX, Case Manager Supervisor via a written letter that they do not share or furnish information to the credit bureaus. I wrote Experian another dispute letter on XX/XX/2021 and XX/XX/2021 asking them to remove the bankruptcy due to inaccuracies which are damaging my credit report as they have falsely and illegally verified the bankruptcy. Experian responded back to me on XX/XX/2021 via the Experian online platform indicating that According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, and notifying them of the dispute and disclosing all relevant information regarding your dispute. When we contact the furnisher or vendor, we ask that they verify all of the information regarding the item you disputed and report back within 30 days of the date that we received your request ( 21 days for Maine residents ). I then heard back from them again on XX/XX/2021 via the Experian online platform of which they provided me with my dispute results as the company that reported the information has certified to Experian that the information is accurate. Experian has illegally re-verified AND illegally claimed the bankruptcy as accurate, however I froze all third party bureaus on XX/XX/2021 ( it would be impossible to verify the bankruptcy remark when all of my third party bureaus are frozen. )
Consumer complaint received 2021-10-26
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)

I have several inaccurate accounts reporting in my credit reports which I have been disputing since XX/XX/XXXX but, to date, I have yet to receive one response from the credit bureaus. Per the FCRA, if the credit bureaus take longer than 30 days to respond or fail to respond to a dispute, they are to remove the information from a credit report. The credit bureaus have failed to respond to my disputes, they have failed to investigate the accounts, they have failed to fix the incorrect issues, and they have failed the law. Now, regarding the issues in my reports that I have been working on resolving, there are 6 DEPT OF EDXXXX accounts reporting 90 and 120 day late payments on my reports but, no 30 or 60 day late payments. Look at the attached reports, account # XXXX .... was reporting on-time in XX/XX/XXXX in the payment history and 90 days past due in XX/XX/XXXX. How can an account become 90 days past due in only 30 days? It can't this is an obvious mistake, one that the credit bureaus failed to fix over the course of the last 7 months. Same issue with account # XXXX ...., # XXXX ...., # XXXX ...., # XXXX ...., # XXXX ... .. XXXX XXXX XXXX # XXXX XXXX. is reporting an on-time payment on XX/XX/XXXX and a 90 day late payment on XX/XX/XXXX and a 120 day late payment on XX/XX/XXXX. How did this account become 90 days past due in a period of only 30 days? Its an impossibility! There are also issues with a collection from XXXX XXXX # XXXX reporting on my reports, I have requested that the collection agency provide documentation proving my liability in this debt ( per FDCPA ) but, they have failed to respond with any documents and the credit bureaus continue to report this erroneous information. XXXX XXXX XXXX XXXX # XXXX .... agreed to defer payments due to COVID but, continued to report late payments in my credit reports, XXXX/XXXX # XXXX .... agreed to defer my payments and reduce them due to COVID but, also continued to report the late payments and actually charged off the debt- this was not part of our agreement. Look at the payment history, I continued to make reduced payments but, XXXX and XXXX XXXX reported incorrect information. XXXX XXXX XXXX # XXXX .... is an account I don't even remember opening so I requested a copy of the original contract on the account ( per section 609 of the FCRA ) but, no response again. As you can tell, I've been doing this for a while and working on resolving these blatantly incorrect issues. I am asking that you remove this incorrect information from my credit reports and hold the credit bureaus accountable for violating the law.
Consumer complaint received 2020-07-10
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mr. Cooper Group Inc. (NJ)

. I have been consistently hounded by Mr. Cooper with respect to a debt they claim I owe. As I was in chapter XXXX, my bankruptcy attorney defended me to fight their motion to stay my chapter XXXX. Proof of payment was provided and the motion was withdrawn. This process held up the discharge of my chapter XXXX by three months. I was asked to provide copies of checks as far back as XXXX! Mr. Cooper did not have the account at that time a mortgage servicing company called XXXX did. Account was consequently sold to Seterus and then Mr. Cooper. I have consistently provided proof of payment that included check images and certified mail receipts. Given the nature of these companies I took the extra step and cost of always mailing my payments via certified mail. A week after my chapter XXXX discharge, I received a letter from Mr. Cooper requesting payment of {$7300.00}. This letter also asked if I had a lawyer, and for me to provide the name. This amount due is arbitrary as no accounting information has ever been provided. In fact, given my proof Mr. Cooper had no records detailing how they arrived at this amount. On XX/XX/XXXX my credit score was XXXX, when I checked today it was XXXX due to a report by Mr. Cooper that I am 120 days in arrears. I have copies of all my certified mail receipts to prove that I am not in arrears. So now my credit has been fraudulently ruined.
Consumer complaint received 2022-05-01
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 Convergent, the below accounts have violated my rights : XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXX - Acct # XXXXXXXX XXXX - Acct XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct XXXX XXXX 15 U.S.C. 1681 section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-02-13
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. (MD)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX, NY XXXX ( XXXX ) XXXX. Spoke to XXXX XXXX in the Dispute Department about XXXX XXXX XXXX reporting an individual account as a " Collections '' account on my credit report after the account has been settled and paid. The account was paid off on XX/XX/XXXX with a XXXX balance owed. Yet on XX/XX/XXXX XXXX reported to the credit bureaus this account as a " Collections '' account. The account was previously a bank card with XXXX XXXX XXXX XXXX. XXXX purchased the account and I settled with XXXX on XX/XX/XXXX with a XXXX balance. I believe to report this as a collections account in XX/XX/XXXX was a violation of the Fair Credit Reporting Act ( FCRA ) and was arbitrary and capricious. THERE WAS NO BUSINESS JUSTIFICATION IN XX/XX/XXXX TO REPORT THIS AS A COLLECTIONS ACCOUNT. XXXX XXXX, on behalf of XXXX refused to consider my request to correct this account on my credit report and to remove this information as " Collections ''.
Consumer complaint received 2021-06-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TX)

I have no idea what this debt is. XXXX dropped it off my credit report! Its been on my report for 7 years!!!! 
Regardless, of what/why/where this debt is. SEVEN YEARS HAS PASSED THATS PSY THE STATUTE OF LIMITATIONS FOR THIS TO CONTINUE TO BE LISTED AS A BAD DEPT ON MY CREDIT REPORT!
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Albert Corporation (IL)

I opened a debit account with Albert on XX/XX/XXXX. I never deposited any money to the account, they provided me a debit card. I subsequently found out they charge {$14.00} monthly and wanted to close my account. I requested to close the account multiple times on XX/XX/XXXX. The company is refusing to close my account. They keep telling me to withdraw funds, however I never deposited any funds. I repeatedly explained this, spoke to an account specialist and they are still refusing to close my account. They are telling me to withdraw my funds and repay my balance to close the account. They are refusing to close this account and continually are telling me to withdraw funds. I never deposited funds, so I really need this account closed and they arent resolving my issue.
Consumer complaint received 2022-04-30
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

Upon reviewing my credit file, incorrect information was found in my report. The XXXX 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. I am not late on this account. My record shows that this account was Paid as Agreed and Past Due is XXXX. Please adjust accordingly the CAPITAL ONE XXXX Balance : {$260.00} - Late Date XX/XX/22 [ XXXX ] to my credit report.
Consumer complaint received 2022-01-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: First Technology Federal Credit Union (MN)

First Tech credit union received a pay-off check in late XXXX or early XXXX of XXXX. They returned this check to my new lender and did not inform me that this occured. When I contacted them for an explanation on XX/XX/XXXX, they provided an address in XXXX where the check should be sent and told me they had no record of the check. I confirmed with my new lender that they sent the check with the correct account information to that address. 

Now, they're saying that the address for payoffs is in California and refuse to stop demanding payment despite declining my payoff. Further, the customer service representative I spoke to on XX/XX/XXXX confirmed that their procedure is to forward payoff checks to the appropriate address when received in XXXX, not return them. My new lender shared in a call on the same day that First Tech confirmed the XXXX address as the appropriate address to send payment. 

Throughout this time, I have made payments to bother lenders. First Tech has refused to accept a stop to payments despite having declined my payoff.
Consumer complaint received 2019-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

I researched further on the Wells Fargo Auto that I still pay to on my truck. The credit report shows that Wells Fargo has a negative mark on mine so that was how I decided to research. I have learned that I still owe them {$4700.00}. 

I decided to call XXXX XXXX XXXX who I first made payments to before it was transferred to Wells Fargo. The total of the truck worth was actual {$30.00}. However, I paid for over 5 years which is from XXXX, XXXX to XXXX, XXXX which brings to over {$31000.00} but I also recently paid from XXXX, XXXX to XXXX, XXXX so that is total of {$3100.00}. I already paid {$31000.00} AND total of {$3100.00}, so in together on two amounts, I paid over {$34000.00} AND XXXX XXXX XXXX did not report to you ... I paid to XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, which I believe is over {$7600.00} because with XXXX XXXX XXXX was first I paid to ... about {$540.00} per month. {$7600.00} was paid to XXXX XXXX XXXX. It is the total of {$42000.00}. So {$42000.00} was already paid!! And too much!!! My truck should be paid off a long time ago. 

However, Wells Fargo Auto said I owe them more, that is the amount of {$4700.00}!! What?! If so, it would be {$47000.00} later on! The real price was {$30.00} when I first bought it! Wells Fargo has ripped me off big time. I did call XXXX XXXX XXXX to find out why they did not report to 3 credit bureaus since XXXX XXXX XXXX is missing on all. However, the problem falls on Wells Fargo because agreement was on 6 % or 8 %. It is still too high ... I would pay over {$17000.00} MORE! I ask you to investigate on Wells Fargo. They know I am deaf. I believe they took advantage thinking I would not investigate this further. Thanks to XXXX that shows Wells Fargo has a negative mark. 

I complained to you about Wells Fargo yesterday for the wrong info on late payments in XXXX, and XX/XX/XXXX and it was first. I sent them the letter of going to be late and promised them that I would pay FULL AMOUNT and I did. They did not put me in a good standing. So with that information, I dug further on Wells Fargo so that was when I realize I have paid too much on my truck already and it should be paid off. Please investigate on Wells Fargo and penalize them!
Consumer complaint received 2022-04-30
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. (TN)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX  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. Please check the Payment History, Balance, Date of Last Activity, Date of Last payment and Status information on this account and adjust accordingly. Below is the account that is reporting on my Credit Reports needs to correct as soon as possible : XXXX XXXX Balance : {$270.00} Late Date XXXX30days ] XX/XX/22 [ 60days ]
Consumer complaint received 2021-08-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CT)

In XXXX I was reviewing my credit report and saw that there was a debt that I did not recognize as mine. The alleged debt claimed that I allegedly owed {$1100.00}. I wrote a letter requesting validation from XXXX  Credit Bureau regarding this alleged debt. However, they did not validate the alleged debt according to the opinion written by XXXX XXXX XXXX of the FTC, nor to my satisfaction. I then wrote a letter to the collection agency, LVNV FUNDING LLC requesting validation of this debt with the same expectations that I wanted from XXXX. They in turn turned the letter over to Resurgent Capital Services. On XXXX, XXXX, I received a brief letter stating the debt was validated by issuance of a preprinted bill. This was not sufficient nor did it meet the FTC criteria. I in turn wrote a letter dated XX/XX/XXXX stating that this did not validate this alleged debt. 

Today is XXXX, XXXX, XXXX and I have yet to hear back from Resurgent with any validation to this alleged debt. In addition, they are still reporting this alleged debt without accurate validation. 

I am enclosing the information in the above aforementioned complaint.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (FL)

I have an inaccurate account reporting on my consumer report violating my consumer rights. And, I also have a third party collection company violating the privacy act and consumer law by reaching out to me to collect on debt I do not owe also I have proof another third party collection have also reached out to me as well to try to collect on this debt as well. I do not have a contract with MIDLAND CREDIT MANAGEMENT OR MIDLAND CREDIT.
Consumer complaint received 2022-04-30
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. (MA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 153 consumer credit plan as late for and purpose