davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NY)

I have been complaining about American Express for two years. This all began several years ago when i signed up for XXXX XXXX. XXXX XXXX was a credit repair law firm that helps consumers improve credit scores. The program offers a number of strategies and forms to ensure consumers maintain good credit. One of the forms and strategies is to file opt-out to bureaus to obtain relief from creditor solicitations. I filed both of the opt-out requests ( XXXX and XXXX ). 

American Express subsequently sent me a number of solicitations and advertisements. The counsel at American Express has denied the allegations and stated that it was not ever a violation. It was corrected and the issue is no longer. During the violations of the opt-out requests, i signed up for three American Express applications . ( one reason that XXXX XXXX tells customers to opt-out, is because some consumers have an inability to control spending. thus, they receive an application for credit and fill it out to spend money. part of credit repair includes budgeting and managing temptation to spend money on credit cards ) I have pulled two pieces of information from law and from the courts. The first is an example of fair credit reporting violation. The second is the law governing how creditors obtain information. 

185. OrderSetting discovery, pretrial, and trial datesObtaining credit information under false pretensesViolation of Fair Credit Reporting Act 15 U.S. Code 1681q - Obtaining information under false pretenses- Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

It is my belief that by violating the consumer protection laws surrounding the opt out that the creditor American Express obtained my credit information and submitted three inquires to the bureaus. American Express has refused to remove those inquiries from my report in the past. It is my belief that American Express has not done enough to rectify the violations against me.
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX & XXXX XXXX Balance {$0.00} XXXX & XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2021
Consumer complaint received 2022-04-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (UT)

I had XXXX on my XXXX  so I'm out of work for 6 to 8 weeks I asked for a deferment on my home instead they are looking at losing my payment among other things and causing the process to go longer they kept asking for documents even ones I had already sent it was supposed to take 3 to 4 weeks it has been longer and now it hit my credit report lost XXXX points because they reported my home delinquent if they would have done what they were supposed to do this would not have happened I asked them before it was even late
Consumer complaint received 2021-12-04
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. (FL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2019-11-04
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: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/ I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-11-04
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. (GA)

Equifax removed or blocked fraudulent accounts and reported to the CFPB that the accounts were deleted however the accounts were placed back on my credit report without any notification to me. I have complied with the requirements set forth under FCRA 605B by providing a statement from the FTC, police report and identification. Both XXXX and XXXX have corrected the errors, Equifax deleted and then reinserted the items without proper notification, this is a violation. 

Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 611 ( a ) ( 5 ) ( B ).
Consumer complaint received 2022-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my consumer reports. The Credit Bureaus have stated that my account was properly investigated and verified on several occasions ; but how is this possible if the Account Status, Date Opened, No of Months ( Term ), Last Reported, Date Last Active, Date of Last Payment, and Payment History are not accurate? This is grounds for deletion / removal under the following : 15 U.S.C 1681 602 [ 15 U.S.C 1681 ( a ) ( 4 ) ] 623 [ 15 U.S.C. 1681s-2 ] 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] See attached and have a nice day.
Consumer complaint received 2022-04-28
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. (TX)

in accordance with 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 XXXX XXXX XXXX account # XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2020, at XXXX XXXX, I received a text message from Bank of America ( BOA ) asking me to verify 3 transactions. Two from XXXX and one from XXXX 's. As requested by the text I responded NO I did not recognize one or more of the transactions ( the two from XXXX ). I also immediately called BOA to inquire about the situation, to inform them that I had not shopped at XXXX, and that I still had my card in my possession and so had no idea how this could have occurred. I explained this was a fraudulent transaction, that I had no idea how such purchases at XXXX could have been made/attempted to be made, that I was happy BOA captured the situation, that I did want to make a fraud claim, and that once the thieves were found I wanted to criminally prosecute them. On XX/XX/2020, they denied my claim. On XX/XX/2020, I filed an appeal pointing out each of the inaccuracies in BOA 's so-called findings and requested a thorough investigation. On XX/XX/2020, I received another form letter from BOA, not addressing any of the issues I raised in my appeal dated XX/XX/XXXX and again finding that the fraud was on my part, that I was being charged the amount of the theft at XXXX and that BOA would be contacting my credit agencies to note its findings. As a 32-year customer of BOA without a single issue during that entire history, I am appalled that they did not take my fraud claim seriously, found me at fault, and failed to provide any proof of an alleged investigation beyond a form letter which says nothing. I thought that fraud units were in place to protect the customer from theft, not to facilitate the theft, and not ruin the financial name of a loyal fiscally responsible customer. All documents are attached for your review.
Consumer complaint received 2021-05-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MS)

Regarding XXXX, XXXX PHH Mortgage Services, Mtg. Loan No. XXXX. I applied for and received an initial COVID19 forebearance, although I never got behind on my mortgage during this initial period of 3 month XXXX or XX/XX/XXXX. After the first period expired, because we were still under pandemic and few people had gotten shots in XX/XX/XXXX a representative of PHH Mortgage Services called me and extended the courtesy of extending another 90 day period of Covid19 forebearance of which I went through the steps and accepted. I paid XXXX 's payment late because knowing I had the forebearance and nothing would report negatively on my credit bureau, I was about 45 days instead of under 30 days paying this payment. I got caught up on outstanding debts in XXXX and paid XXXX 's payment around XX/XX/XXXX or XXXX and then paid XX/XX/XXXX payment around XX/XX/XXXX which my account reflects this and show a due dated of XX/XX/XXXX. When I checked my credit PHH has reported my mortgage payment delinquent for XX/XX/XXXX. I called them and advised them they offered and I accepted the COVID19 forbearance for new 90 day period and they were not supposed to show my account delinquent. They then advised me I was NOT under XXXX forbearance. I asked them " how could this be? '' when they called me and we took care of putting the forbearance on my account per their discretion. They were rude and put me on hold and never came back to the phone. I am very upset about this reporting especially because they extended the " olive branch '' and offered me another forbearance just in case I needed it and now they have not put it on my file and have wrecked my credit bureau file. I need this fixed and I also need a complete payment history of this loan form XXXX through current because something is wrong. This loan is over 18 years old and the balance is up not down. the principle balance started at {$52000.00}. and is currently {$54000.00}. I don't understand. I know I had a medical hardship, and I struggled for a while, but payments were being made.
Consumer complaint received 2022-04-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (GA)

On XX/XX/XXXX I noticed a new collections account had been added to my credit report. Southwest Credit Systems is stating that I opened an account with XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. Both accounts are fraudulent. This company is also changing the amount due so is currently reporting twice on my credit report. 
My apartment complex currently has an contract with XXXX XXXX XXXX for Internet and TV that I've been using since my lease renewed back in XX/XX/XXXX. So this account and information is incorrect.
Consumer complaint received 2021-01-05
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: EQUIFAX, INC. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2018-02-28
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. (TX)

I have previously submitted disputes to Experian and they did not investigate the identity theft properly or attempt to resolve my complaint ... I have attached all the fraud forms including police report to get the following accounts deleted from my credit report ASAP. 

The accounts in dispute are : - XXXX XXXX XXXX - Amt Obtained {$460.00} FRAUD - XXXX - Amt Obtained {$3600.00} FRAUD - XXXX Card - Amt Obtained {$1100.00} FRAUD - XXXX Card - Amt Obtained {$1700.00} - FRAUD - XXXX XXXX XXXX XXXX - Amt Obtained {$11000.00} FRAUD - XXXX Personal Loan - Amt Obtained {$13000.00} FRAUD - XXXX XXXX/XXXX - Amt Obtained {$10000.00} FRAUD - XXXX XXXX XXXX - Amt Obtained {$7000.00} FRAUD
Consumer complaint received 2021-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (FL)

A charge was made on my Legendary Pine Master Card on XX/XX/XXXX at XXXX XXXX XXXX XXXX FL for {$460.00}. Called the XXXX XXXX on XXXX to dispute the charge. They said it was for family counselling- we have not been to XXXX in over 20 yrs plus we have medical insurance that would cover that. They removed the charge but reapplied it in XX/XX/XXXX and I received a letter dated XX/XX/XXXX stating they can find no basis to support the claim. Called XX/XX/XXXX and they were going to reinvestigate. Called XXXX and said the same thing. They said they called this company and got no answer as did I - the business dissolved XX/XX/XXXX and I have tried calling the phone number associated with it and no answer, XXXX XXXX said for me to file with my local sheriff office. I have had a bogus charge on another credit card and they actually contacted me and resolved it. Legendary Pine MasterCard can not prove that this charge is legit as they can't get ahold of the company that charged it,
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (LA)

XXXX  is reporting the account with CB/Vicscrt inaccurately on my report. Upon reviewing my credit report I did not recognize this account. I initially sent a request for XXXX  to validate the account, and send proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After 4 different attempts they have failed to provide me proof of this account. I have disputed this information four times on XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and have given them warning that if it could not be validated, to remove it from my report or i would be filing a formal complaint. In addition the information XXXX  is reporting does not match the information reporting by the other credit agencies. I have gave them ample time and opportunity to resolve this issue before having to take the route of filing a complaint
Consumer complaint received 2019-06-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

After having a checking and savings account with BOFA for over 10 years, I was the victim of fraud. Bank of America chose to close my account and failed to protect me pursuant to federal law that protects consumers from fraudulent activity and further restricts financial institutions from closing accounts as retaliation for reporting fraud. Notably, I recall having a balance of about {$1300.00} in my checking account at the time of closure which was never sent to me in the form of a check. I would like the money I am owed from BOFA or I will file a small claims lawsuit.
Consumer complaint received 2018-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

PLEASE FORWARD TO OCWEN LOAN SERVICING LLC. 

I truly wish to resolve my mortgage issues, and my modification was rejected because at Ocwen stated that I was too far behind on payments. This is truly discriminatory and I now have an attorney representing my wishes. I deserve a modification as my son has agreed to join me on payments and he also has an excellent income.
Consumer complaint received 2021-12-04
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. (PA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax 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. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/2020 ; XXXX Inquiry Date XX/XX/2020 ;
Consumer complaint received 2021-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (FL)

I was paying bills on my credit report last XX/XX/2022. This included an old electric bill for XXXX to XXXX XXXX. The agency I paid and XXXX XXXX both acknowledged this debt was resolved. In XX/XX/2022, XXXX  debt collector started to appear on my Experian report for the same bill. One of the representatives said they got it in their office in XX/XX/2022. I tried to explain to them that I paid the company that contacted me on behalf of XXXX XXXX. And that XXXX XXXX had acknowledged receipt. XXXX has refused to verify with XXXX XXXX, and so has Experian. I requested a dispute with the results saying the XXXX bill is valid. How!!! Because I know, neither company has verified the facts.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WI)

I have a credit card account with XXXX XXXX. I have been actively making payments for months XXXX - XX/XX/XXXX. I have finally got the account to a {$0.00} balance as of XX/XX/XXXX. They are actively and illegally still trying to pull money from my bank account even though I am at a {$0.00} balance. I do not owe any more money. 

XXXX XXXX  failed to accurately report a payment of {$25.00} on XX/XX/XXXX to my account and to the credit bureaus. XXXX XXXX XXXX inaccurately reported late / negative payment history from XXXX - XX/XX/XXXX. This information is inaccurate and extremely harmful to my credit reports with Experian, XXXX and XXXX. 

XXXX XXXX  has failed to answer any of my many phone calls. They have also failed to correct the problem when Ive reached out by email. 

I have filed a compliant with the XXXX XXXX XXXX on XX/XX/XXXX but the compliant was unresolved and closed on XX/XX/XXXX due to XXXX XXXX failing to respond to them after several attempts. 

I want this account closed immediately and I also want this account permanently removed from my credit report with Experian, XXXX, and XXXX. 

This is a violation of 15 USC 1666B of the Fair Credit Reporting Act. XXXX XXXX has failed to report accurate and timely account information.I have a right to a complete, correct, accurate, verifiable credit report.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are non recognized and nonauthorized hard inquiries on my credit report please have them deleted