davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (ID)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2016-12-16
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: V and H Portfolio (FL)

My name is XXXX XXXX, and in 2008 I purchased a 2008 XXXX XXXX XXXX pickup truck. The company approved me for a loan to get the pickup ( the company is in Texas ). Yesterday, a collections company called me, and a very demanding woman told me to pay her a loan that I owe her for XXXX more [ XXXX ], I think its perfect I pay them that amount. [ XXXX ] Please, make them pay me the available credit of {$18000.00} more. [ XXXX ] If they engage in vandalism and steal from everybody, they should pay that loan that they stole from me in credit ... [ XXXX ]
Consumer complaint received 2016-07-15
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Over the past few years I have attempted to get a credit increase from Bank of America - I started with the card back in XXXX as a secured {$300.00} card which after 2 years was released from the security deposit. I have incurred a number of inquiries over the years from just BOFA - I ca n't get anyone to actually look at my account. I keep getting stellar credit reference letters but no one will look at my history with BOFA rather they keep pulling Credit Reports. I am not telling BOFA how to manage their business - it 's obviously an internal decision on their part - but I can not seem to reason with a human being to actually " review '' my account - always results in a hard pull which I can not afford anymore. My other credit card issuers have no issues giving more credit limit and at this point I do n't understand why I even bank at BofA anymore - they do not do anything for me - I 've been a customer since XXXX and I get nothing. I 'm at the point where I will most likely close out all my accounts and bank with a company that actually values my business - I ca n't even rent a car with a {$300.00} credit limit.
Consumer complaint received 2019-02-22
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: TRANSWORLD SYSTEMS INC (FL)

I'VE SENT NUMEROUS OF POLICE REPORTS OF MY IDENTITY THEFT REPORT AND THE CREDIT BUREAUS REFUSE TO CORRECT THE INFORMATION ON MY REPORT AND IT WAS NOT ME THAT DID THESE FRAUDULENT TRANSACTIONS ON MY REPORT.
Consumer complaint received 2017-10-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

Loan # XXXX Property Address : XXXX XXXX XXXX, # XXXX, XXXX, MD XXXX This is a sequel to Complaint XXXX. 

On XXXX XXXX, XXXX, I called Wells Fargo to make a payment, as I did in XXXX. They refused to take my payment. I sent Wells Fargo a Fax, which is attached herewith, asserting reprisal, making rules along the way to frustrate me and facilitate foreclosure by their attorneys. When I called XXXX XXXX repeatedly to me that I was behind by XXXX payments but I kept reminding that I called to make a payment, as I did the month before. She raised she would not take my payment because of the delinquency. I asked her why did Wells Fargo take my payment last month in spite of the alleged delinquency. She told me that a restriction was placed on my account. I asked why was the restriction placed but was not given any answer. I requested for her supervisor XXXX who confirmed that they would not take my payment. I advised that I will file a complaint with CFPB. 

The Fax I sent to XXXX states, in pertinent part, " I want the record to reflect that I called today to make my monthly payment of {$660.00}, as I did last month, but was told by XXXX XXXX and her supervisor XXXX that my payment would not be accepted because of a restriction placed on my account. I advised them that I will file a Complaint with the Consumer Financial Protection Bureau on the grounds that this is a reprisal and that XXXX is making rules along the way to frustrate me. XXXX minute Wells Fargo claims that payment was not made, next minute it accepts a payment and the next time around it refuses to accept payment. That is madness. This is history repeating itself. '' This is important because it establishes a pattern and practice by Wells Fargo. My original complaint alleges that I disputed the loan but reached agreement with Wells Fargo to be making payments to avoid them hurting my credit while XXXX researched my assertion. Wells Fargo began taking payments and suddenly stopped, referred the matter to a lawyer for foreclosure. I asked them why did XXXX stop taking payments and opt for foreclosure. I did n't get an answer in XXXX until XXXX Wells Fargo fabricated some falsehoods. Just the same way, Wells Fargo stopped taking payment. I do n't what lies Wells Fargo and its employee will tell you now. 

My loan balance went from {$8800.00} on XXXX/XXXX/XXXX to {$62000.00}. See attachment. I need explanation and a breakdown. 

I want a hearing and a complaint filed against Wells Fargo.
Consumer complaint received 2016-05-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I 've disputed this FRAUDULENT information several times, only for this company to continuously apply " paid '' debts to my credit reports.. Although, I have n't paid them anything because I do n't have any idea who they are?!! XXXX XXXX has applied tons of paid debts to all of my reports resulting in bad hits on my scores. This company needs to be shut down & I will be suing. You should first validate a debt, identify if you have the right consumer & then apply debts, but definitely not apply bogus debt reporting to anyone 's credit.
Consumer complaint received 2020-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To Whom It May Concern, I disputed an account reported by Transunion in the file you maintain under my Social Security number. 

I was informed that XXXX, XXXX XXXX XXXX, XXXX, and the XXXX XXXX XXXX was deleted from my credit report. 

Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. I filed a police report ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint to the Attorney Generals Office, and the XXXX. 

Please govern yourself accordingly. You have my police report on file on the subject matter above. 

Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2019-02-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (CA)

We purchased a home on XX/XX/XXXX of XXXX and moved in to the home on XX/XX/XXXX. In early XXXX I attempted to contact our Mortgage Company to make our first payment. The mortgage company informed us that our loan had been bought by Planet Home Lending. I called Planet Home Lending about making our first payment. They would not take my payment over the phone and informed me how to register for an account online and set up auto payments. The gentleman informed me not to worry or rush because I had 60 days to make my first payment. This was a relief to me because my husband is a XXXX employee and because of the Government shutdown at that time was not receiving a paycheck. I then hung up and set up an account online with auto payments to begin on XX/XX/XXXX. Today XX/XX/XXXX we received a phone call from Planet Home Lending informing us that we were late on our mortgage payment for the month of XXXX and would be sent to collections unless a payment was made. I attempted to explain to her about what someone at her company had told me that I had 60 days to pay. She transferred me to a supervisor and I explained again. Bottom line is they did not care what I had been informed of previously, they did not care that we were affected by the government shutdown or try to work with us on payment. They informed us that if we did not pay, the account would be sent to collections and appear as a negative on our credit report. We made a payment but are completely frustrated, angry and upset that Planet Home Lending has such predatory practices to deceive customers into thinking that they don't need to make a payment and then tacking on late payment fees and threatening people with sending them to collections. This company does not care about it's customers and the worst part is the consumer has no choice on who is servicing your mortgage loan so as to avoid predatory businesses like this one.
Consumer complaint received 2017-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AR)

Equifax is reporting for XXXX bank on my credit report and I was avictim of identity theft and proven by the police. they are also reporting me as a authorized user to an account I never had with XXXX. The account shows me as an authorized user. I have never given anyone permission to add me as a authorized user. They nor Equifax has any written proof. This is a outright VIOLATION OF SECTION 609 AND 611A OF THE FCRA. EQUIFAX IS ALSO REPORTING THIS TWICE ON MY FILE! ILLEGAL
Consumer complaint received 2019-02-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (TX)

This is my second complaint. They have the wrong person. I have spoken to them four times, and they admit they have the wrong person. They say they will stop calling my number, but they do not. The phone calls started again today, and I have received three calls on XX/XX/2019.
Consumer complaint received 2016-12-14
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC. (CA)

On XXXX/XXXX/16 I attempted to temporarily lift a credit freeze online with Equifax. The cost of this was {$10.00}. Equifax debited my account a total of 22 times for a cost of {$220.00} and the creditor XXXX XXXX XXXX was never able to view my credit report. When I called Equifax on Monday, XXXX/XXXX/16 I was told the pending charges on my account would not go through. Today, XXXX/XXXX/16 there were XXXX individual transactions to my account for {$10.00} each totaling {$220.00}. I called Equifax and spoke to an manager, who refused to provide her name and only an employee number of # XXXX. She informed me that the department that could issue me a refund " does not take calls ''. The employee that I spoke to previously provided the information that they would not be able to refund my account for ten days. In short, Equifax has stolen {$220.00} from me and is holding on to that money with the excuse of some kind of process that prevents them from returning it. This is theft.
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (AL)

All XXXX reporting companies ( Equifax, XXXX, XXXX ) currently report XXXX revolving credit accounts as open when they are in fact closed and have been for at least one year. 
These are listed as XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

I usually pay extra on my mortgage. Every servicer I have ever had always just applied this to the principal. My servicer was recently changed to GreenTree. I noticed a statement on my bill that " partial payments '' are not applied, but held ( presumably without interest ). My additional principal was treated as a partial payment. More importantly, if I ran into hard times and paid less ( but still covered interest and some principal ), *NONE* of that amount would have been credited to my account. This practice should not be permitted. Payments should never be placed in limbo not earning interest while you 're paying them interest.
Consumer complaint received 2017-03-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NV)

please find attached the documents and my dispute letter for XXXX of my XXXX accounts, these accounts have never been late and never been delinquent. i have disputed few times with XXXX major credit bureaus but not been successful, also have written letters to the creditor as well, still no resolution. 
please help me to remove these late. negatives from my records. 
thank you
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Contacted both XXXX as well as capital one and have not had this issue resolved yet after numerous attempts. Inquiries on my credit report that were not authorized by me nor belong to me remain on my report. Inquiry dated XXXX/XXXX/XXXX CAP ONE.
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is a follow up from a previous complaint to insure proper, final resolution. 
Please find enclosed documentation from XXXX XXXX XXXX regarding a long disputed account I 've had with them. This account has been misreported in recent years by them and subsequently the credit bureaus, which has harmed my ability to obtain credit. 
I 'd like to address two issues that should be updated and corrected per the information contained in the XXXX letter. Due to my multiple disputes throughout this year, it appears the account has been repeatedly updated to reflect it as charged off but appearing to be something that is newly reported when in fact it was charged off in XXXX of 2012. There should be no other charge off information noted to the account other than 2012. Additionally, the letter clarifies that there is no balance owed ( this has long been reported with a balance of {$21000.00} ). 
It would appear that because of these continual challenges and " updating '' that the account event status was reported as recent and not when originally occurred ( 2012 ). It would appear that this has had a direct impact on my reduced XXXX scores since I have no other recent derog credit, my current account balances have been dropping and all of my payments have been made on time. Please research this as well and make any account updates necessary to restore the accuracy of when events with this account took place ( charged off in 2012 and not recently as well as {$0.00} balance owed ). Thanks
Consumer complaint received 2016-02-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I have sent Equifax numerous correspondence in regards to my credit file being inaccurate. I am a victim of identify, and filed a police report and filed an identify theft report, and provided all of this information to Equifax. I have called over 3 times, and faxed my paperwork to them over 4 times. XXXX and XXXX have made the corrections, but, it has been 3 months and Equifax still responds that the information was verified. How can it be verified if it not mine???
Consumer complaint received 2020-10-17
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

I filed Chapter XXXX bankruptcy on XX/XX/2020, in the United States District Court District of Minnesota Bankruptcy Court and my  Bankruptcy Chapter XXXX was discharged on XX/XX/2020. I had a credit card account with Kohls, and have a current balance and debt I owe Kohls, that was discharged in bankruptcy court. I want Kohls to update their records  immediately and accurately, showing I filed for chapter XXXX bankruptcy, my chapter XXXX bankruptcy was discharged on XX/XX/2020, and owe Kohls no money and have no debt with Kohls, due to my debt being discharged under Chapter XXXX bankruptcy. My bankruptcy attorneys and the United States District Court District of Minnesota Bankruptcy Court will be sending notification to Kohls Bankruptcy Department. Attached to this complaint is my bankruptcy discharge notice for Kohls Bankruptcy  Department review.
Consumer complaint received 2020-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I am enrolled in e-statements and auto payment for my loans. The website doesn't clearly state the amount that is due each period. It states amount due as " {$0.00} '' This makes it difficult to pay down the balance faster in any sort of planned method. Why isn't my monthly amount due plainly available on the site?

There is also no straightforward way to access a monthly statement on the website. If one types in " statement '' into the Help Center search, it returns nothing. If one puts in " statements '' in the search, it gives an option for the federal tax statement or a loan verification letter. Because I have the e-statement, there is a link mailed to me to access a statement. It is not a link to the main site, but rather sits off elsewhere on a server. If I want to access a statement from 3 months ago, I have no way to view it on the website. Why not make an e-statement tab on the site and I can view my statements whenever I need to? The company doesn't seem willing to make these changes.
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have XXXX inquiries on my credit report that I did not authorize. I have contacted Transunion requesting removal of these unauthorized inquiries and was told there was nothing that could be done and they suggested I call the companies which I did and was told by the companies to dispute it with Transunion. I feel this is unfair because I do n't have credit accounts with these companies nor did I authorize the inquiries and Transunion wo n't remove them. This has caused my credit score to go down. Below are the unauthorized inquiries XXXX XXXX XXXX Bank - Dated XXXX XXXX, XXXX XXXX - Dated XXXX XXXX, 2016
Consumer complaint received 2015-05-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I was refused credit due to incorrect credit reporting practices from XXXX reporting agencies. I have had a running misinformation problem with Experian, XXXX, and XXXX credit reporting agencies for years. I have been a a victim of fraud as reported to all XXXX agencies in the past, as far back as XX/XX/XXXX. As of XX/XX/XXXX agencies are still putting out misinformation. 
Please help me put a stop to what is being reported. XXXX XXXX
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (FL)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS # ENDING IN XXXX