davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-03
Product: Consumer Loan — Personal line of credit
Issue: Managing the line of credit — 
Company: TIDEWATER FINANCE COMPANY, INC. (TX)

I disputed tidewater finance with the credit bureaus as well as I filed a previous complaint against them with the consumer finance protection bureau, the results of investigation I have attached for review. My previous complaint was due to inaccurate credit reporting and water finance reporting different balances and past due amounts monthly to the credit bureau. The response that I received from XXXX and XXXX both for complaints on XXXX/XXXX/15 both reflect that they were verified to be accurate see attached for details and below are the balance discrepancies of that investigation. 
XXXX XXXX balance XXXX past due XXXX XXXX balance XXXX past due Once again I have found tidewater to be in violation and have attached documentation for you t review that this account is reflecting open and that is impossible because it is charged off. This account has also failed to report a date of last activity on XXXX credit bureau and this is another manor violation and a continued discrepancy on their part. It is the furnishers duty to provide accurate details pertaining to a consumers report and failure to report the last activity date effects who long a derogatory item is reported. Tide water finance repeatedly provides false information on my credit report that is affecting the integrity of my credit and score.
Consumer complaint received 2015-05-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

there is a collection agency XXXX XXXX that is on my Experian report. the original creditor is XXXX XXXX at XXXX I do not owe them the amount they claim I do I lived there for 3 years and owed them one months rent, I have tried to pay them several times they will only accept 3 months rent. i do not go with they say I do XXXX and XXXX have investigated and taken It off their reports Experian for some reason will not please help
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (MI)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, IA XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, NY XXXX
Consumer complaint received 2016-09-28
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

We have our first mortgage with Bank of America and we are trying to refinance our loan with another bank. The address on our FHA loan through Bank of America is wrong and we need an address change on the loan documents. They told us they needed certain documents faxed, so we faxed them multiple times. Weeks went by and they continued to say they had not received them. We had faxed all of our information as did our new lenders. We continued checking up on it and eventually they said they have them but they have now changed their rules and need more documentation and that our prior documentations would not work. We have sent over everything else they have requested proving that our address is what we say it is and not what they have down and are now telling us it could be up to 180 days before they get our address changed. During the whole process they have asked us to refinance with them and are now dragging their feet on helping us get our address changed on the loan documents. It has been a complete and total nightmare.
Consumer complaint received 2015-10-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

I strongly believe I have been wrongfully foreclosed on. I am following up and giving you a status on what the banks have done to me and my family by refusing to work with us from the beginning when we defaulted on the mortgage loan. The certificate has been issued back to the bank XXXX OWNER servicer Wells Fargo mortgage. I do n't understand how the big banks got a bailout and they refused to modify my mortgage loan, instead decide displaced us from my home. This was my only and first time home. Now we have lost it to foreclosure. I have been advised they sold the home to XXXX, XXXX and they sold it to another investor XXXX, XXXX for {$110000.00} a double closing. Why could n't they modify my loan for that amount which would 've been afordable. My mortgage loan was for {$220000.00} interest only loan 10 years ago. I am so upset and disgusted. Who is watching over these transaction?
Consumer complaint received 2020-10-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Recovery Services, Inc. (NJ)

Southwest Recovery Service put an account on my credit report in the amount of {$370.00} I called to find out what this account was  about back in XX/XX/2020. The rep told me it was a XXXX account for {$50.00} for a business called XXXX XXXX. I told the rep that the business was an LLC owned by me and two other people and why was this account on my credit report and why was I not notified before this charge was placed on my account. She told me to dispute the account and hung up. I disputed the account and it was still not removed eventhough I never received any letter from the creditor, no documents proving the debt and no time given to dispute the debt. I  then called back on Monday XX/XX/2020 and mailed out a payment to pay the debt in full even though I never received proof of the claim, or any type of mail. This was done before I knew my rights to file an complaint against the company. I also want my money back until the debt is proven.
Consumer complaint received 2016-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (WV)

There are XXXX student loan accounts for my Daughter that i was a co-signer on. XXXX of these account were in collection. The agency that serviced these accounts was XXXX and they had written off XXXX accounts in XXXX XXXX. Fast Forward on XXXX/XXXX/XXXX XXXX ( XXXX XXXX ) was settled in full thru XXXX XXXX. The XXXX loan on XXXX/XXXX/XXXX XXXX was settled in full thru XXXX XXXX XXXX XXXX offices who was contracted by XXXX XXXX XXXX.who contracted by XXXX XXXX XXXX XXXX XXXX to service their accounts. Since this this time I have been trying to get these XXXX accounts reported correctly on our credit reports. Thru numerous disputes dateing back a year or more i can say that this is a disaster. XXXX claims they have nothing to do with these accounts since they wrote them off in XXXX of XXXX yet they are the ones that have done the reporting and who the credit agencies contact for the dispute. XXXX has done another wonderful thing and that is they have XXXX account number for XXXX of those accounts, which is the account number for the XXXX loan, but the XXXX loan is also under that account number But the actual account number is different. Now XXXX and XXXX have sent XXXX letters that these accounts are settled in full, but on our credit reports they are reporting that the Accounts are in collection with a balance due and a balance past due. XXXX even has gone as far as on the XXXX ( XXXX ) of reporting balance XXXX, Payment received XXXX past due XXXX status in collection.Nothing like mixing the XXXX accounts together. I have sent hours i mean hours on the phone with the credit agencies particular XXXX ( because on XXXX/XXXX/XXXX they finally were reporting correctly ... and changed back to reporting incorrectly on XXXX ). All the hours of phone calls and conversations to the credit agencies and to XXXX they absolutely refuse to report these accounts as settled in full. XXXX says they are reporting correctly and the credit agencies tell me they only report what is sent to them and do not have the power to change it. I have also have been told the proof of settled in full is not acceptable because the account numbers do n't match on the XXXX. As i said XXXX did a wonderful thing by listing both accounts under one account number. And They wo n't Rectify that. I know these accounts were in collection and circumstances at the time led to the accounts going to collection. But when the circumstance changed, i made agreements and paid these off. I have worked hard to build my credit back up and my daughter is building hers, that without these XXXX accounts being reported correctly she ca n't buy a home, our insurance rates are higher etc ... We need help and XXXX and the credit agencies refuse to correct this. Your our last resort. 
thank you
Consumer complaint received 2022-02-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (OH)

XXXX XXXX / XXXX / {$0.00} XXXX XXXX / XXXX / {$0.00} XXXX / XXXX / {$2900.00} XXXX XXXXXXXX / XXXX / {$0.00} XXXX XXXX XXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2016-03-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (AL)

I received a consumers report # XXXX from Experian stating that XXXX XXXX Acct. XXXX ... would be deleted XX/XX/XXXX. The date of that report was XXXX XXXX, XXXX. I requested and received an updated report # XXXX dated XXXX XXXX, XXXX. On this report I notice that XXXX XXXX Acct # XXXX ... was not going to be deleted until XXXX, XXXX. I worked on establishing new credit and in XXXX, XXXX I disputed XXXX XXXX and other items on my credit. They did n't remove it saying I had made payments since then, I did n't understand and continue do n't understand. I disputed again in XXXX, XXXX they refused even look @ it again. This account is listed as closed, yet it is reported as late every month. There are XXXX other accounts that are closed and also being reported as late. I believe these account should be deleted already. Finally, what is so puzzling to me, is my fico score has been consistent for months between XXXX and on XXXX XXXX, XXXX my fico score went from XXXX to XXXX. On XXXX XXXX, XXXX my score dropped from XXXX to XXXX but nothing changed on my credit file. The only reason I can see it changed is that I canceled another Experian product around that time. Things that right on my credit file should stay, but things that are in question or in error should be removed. Thanks for consideration.
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX  claims that the only way to get them a police report indicating fraud from my credit report is to use the USPS and mail it. I have already sent them a paper copy of the report, which was apparently lost in the mail with all of my credit information on it. They also claim that until the police report is received there is nothing else they are able to do. Am I going to have to take legal action to correct these? Thank you!
Consumer complaint received 2018-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

A letter dated XX/XX/2018 stated my account with Capital One was closed on XX/XX/2018. 
I called Capital One and was told a letter should have been sent to you one month prior to that date. The reason it was closed because I did not use the card in over XXXX years. 
I spoke to XXXX @ XXXX XXXX XXXX XXXX ext XXXX. 
She gave me a case # XXXX. 
I read all my mail and never received any correspondence regarding this matter.
Consumer complaint received 2015-05-11
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: REGIONS FINANCIAL CORPORATION (FL)

this is concerning case number XXXX with CFPB which was the original complaint in XXXX 2014. This case was resolved with Regions agreeing to update the XXXX credit bureaus that the loan XXXX that I pay XXXX/mo on an agreed monthly basis and was not written off or have I ever been delinquent on a payment as was showing on my credit report. As of XXXX XXXX, XXXX and XXXX are still reporting this loan to be " charged off '' and delinquent. XXXX XXXX appears to be updated as this negative comment has been removed from their report.
Consumer complaint received 2017-01-26
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I received a Student Credit Card Journey when I had turned XXXX and at that time attended XXXX in XXXX as a XXXX and working only part-time and Capital One knew this. I was originally born and raised in XXXX, XXXX. I also attended XXXX College full-time while working only part-time until XX/XX/XXXX when I relocated to XXXX for residency and to continue my college education at XXXX. In the meantime I have only worked part-time jobs barely making minimum wage. In XX/XX/XXXX while attending school, I got laid off from my job and became unable to make payments. I had some help from family members but then they got sick and could not help me. I told Capital One this at the time. Never got a response. To date, I had never received any correspondence from Capital One other than was I working full-time, how much money I make and did I graduate from college yet. I never received any letter other than the one I received dated XX/XX/XXXX from XXXX threatening and hurrying to file a judgment against me for {$2300.00}. ( see attached letter ) in which they served to my XXXX yr old grandma on XX/XX/XXXX. I have never been married and I do n't know where they got this false/fake information from other than they have me mixed up with my father. Capital One has violated by legal rights under the Fair Debt Collections Practice Act ( FDCPA ) as I feel Capital One Bank ( USA ) , N.A . along with their attorneys XXXX, XXXX have abused and practice false and deceptive acts against me and I hereby file a complaint against them. I will also be filing a complaint with the Consumer Protection Bureau for violation of my legal rights. Because I was never properly notified by letter, etc. and then this shows up at my address for judgment. Capital One has also violated my legal rights under the Fair Credit Reporting Act ( FCRA ) and because of lack of communication this is deceptive & abusive practices which has caused me a lot of mental anguish and stress.
Consumer complaint received 2015-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NC)

They have sent me a report that reads the XXXX fraudulent accounts remain. They have willfully violated the FCRA in that they have not blocked the XXXX fraudulent accounts as requested in full accordance with legal provisions set for victims of identity theft and they have provided no explanation as to how they have investigated the accuracy of these accounts.
Consumer complaint received 2020-10-17
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)

I have been filing disputes with Experian for over a year regarding discrepancies and fraud on my account. Experian started using stall tactics by sending me letters stating my identity had not been properly identified, even though a copy of my driver 's license and social security card was enclosed with my dispute ( s ).

Once I began noting the FCRA violations in my disputes, they changed the names of the creditors unbeknownst to me. I found these changes  on the XXXX. 

Once I resubmitted my amended dispute, my access to the reports on XXXX became thwarted by erroneous messages of failed identity verification.

Experian has also violated their authorization to bill my credit card for monthly subscription fees by charging me twice in less than a 24 day period. All the while denying me access to my account. Due to the gross abuse and neglect in this matter, I wish to file federal complaints beginning with violations of Sections 616 & 617. Please advise.
Consumer complaint received 2022-02-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

On XX/XX/XXXX I called XXXX XXXX in reference to my business vehicle reporting on my personal credit And thats not supposed to happen so what you shouldve only been on my business credit the rep at XXXX XXXX state it theres nothing she can do about it and that I need to call the credit bureau which I did and nothing has been done.
Consumer complaint received 2018-11-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: PENTAGON FEDERAL CREDIT UNION (SC)

I have contacted the company via mail certified on numerous occasions regarding this fraudulent auto loan. They keep verifying illegally a fraudulent account opened in my name and ssn to the credit bureaus. They also are refusing to respond to my mail asking for information.
Consumer complaint received 2016-03-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CA)

I have been dealing with this collection for a few years now. Due to this, I pay to have my credit monitored. I have contacted all the bureaus and hopping through hoops eventually gets removed. However, due to this there are times my credit has dropped nearly XXXX points. The collection company Enhanced Recovery realized that this account did not belong to me, but to my father, which unfortunately for me we have the same exact name. I work hard for my money and always pay my bills on time. I have a letter from Enhanced Recovery, stating they would delete this, which they have but time and time again but repeatedly keep reporting this on my credit report.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XX/XX/XXXX I mailed the document attached which is a letter to TransUnion about not giving me a 5 day notice of reporting a public record child support account back on my credit report. They are breaking the law and it must be removed. TransUnion responded with the account has been updated. The updated was the amount of the account. They completely disregarded the letter and law! They used the stall tactic and then came with an invalid response. I called TransUnion XX/XX/year> which is on record and I asked about the response to the dispute and was told they see no dispute or prior dispute regarding my public records, which is totally false, They are using unethical practices and I have since reached out to my attorney and will be taking legal action against TransUnion. They are not only using third party information but are not giving proper notices. I'm asking TransUnion to do the right thing and remove the account before leal action is taken.
Consumer complaint received 2022-02-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

On XX/XX/XXXX I called XXXX XXXX in reference to my business vehicle reporting on my personal credit And thats not supposed to happen so what you shouldve only been on my business credit the rep at XXXX XXXX state it theres nothing she can do about it and that I need to call the credit bureau which I did and nothing has been done.
Consumer complaint received 2022-02-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/XXXX I called XXXX XXXX in reference to my business vehicle reporting on my personal credit And thats not supposed to happen so what you shouldve only been on my business credit the rep at XXXX XXXX state it theres nothing she can do about it and that I need to call the credit bureau which I did and nothing has been done.