davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2015-12-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (OH)

These items that appear on my experian report are not mine and need to be deleted immediately. I want these companies to provide me with a signed agreement with my signature stating I opened these accounts. I have disputed these items with experian before and they will not reinvestigate these trades but simply state that they have do so already and refuse to reinvestigate these trades anymore, I received no proof from experian stating that these were my trades just a simple oh well we verified they are yours you dont like the results too bad. Im done trying to be nice with credit reporting agencies I want written proof something with my signature stating I opened and used these accounts. the trades are as follows. 
XXXX XXXX acct number XXXX .... 
XXXX XXXX acct number XXXX .... 
XXXX XXXX bank acct number XXXX .... 
XXXX XXXX Bank acct number XXXX .... 
XXXX XXXX acct number XXXX .... 
XXXX acct number XXXX ... 
I want written proof from these companies that these accounts belong to me meaning something with my signature stating that I opened them
Consumer complaint received 2015-11-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (MD)

Getting calls from a finance company for some kind of debt. It is a pre recorded message from someone called General Revenue Corporation with a reference # XXXX, I do n't owe anyone I pay my bills when they arrive. This has got to stop. Somehow they also have my cell number and I do n't give that number out
Consumer complaint received 2020-10-18
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. (CA)

Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by EQUIFAX regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX. 

EQUIFAX violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$6.00} and charge offs amount {$5800.00}. A Charge Off/Close Account must show {$0.00} balance.

2. Delete this account, because it shows a Past Due Amount {$6.00} XX/XX/XXXX ; past due {$6000.00} XX/XX/XXXX ; past due {$6000.00} XX/XX/XXXX and a Charge Off/Close Account must show {$0.00} Past Due. 

3. Delete this account, because it shows Payment History reported consecutively as Charge Offs - L in XXXX XXXX ; XX/XX/XXXX ; XX/XX/XXXX A Charge Off/Close Account must show NO Payment history or consecutively as L reported on my credit report. 

4. Delete this account, because it shows credit limit {$6000.00} on a charge off close account.

Please delete this account, and send me a new report.

I need to apply for a mortgage in 2 months and this is an urgent matter.

I have attached my EQUIFAX Credit Report and circled the violations, EQUIFAX violated in red color. 

EQUIFAX must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2016-02-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I am the owner of the property at XXXX XXXX XXXX, XXXX, VA XXXX. I obtained judgments against the original " lender, '' XXXX/XXXX/XXXX, case # XXXX, for FDCPa and TCPA violations, and the " servicer, '' XXXX, Case No. XXXX, for the same violations. I also sent a UCC 9-210 via certified mail, to both parties, and they tacitly admitted that the mortgage balance was XXXX. The first Default Notice was mailed on or about XXXX XXXX, XXXX, so the 6 year statute of limitations for both the UCC and the state of Virginia is well past that point. I rescinded the " loan, '' on XXXX XXXX, XXXX, by sending notice via Certified Mail, Return Receipt Requested to the alleged lender, Bank of America, N.A., and to the alleged servicer, XXXX XXXX XXXX. The US Postal ID number was XXXX for the former, & XXXX for the latter. I recorded a " Notice of Interest in Real Property '' in XXXX XXXX, VA, along with an affidavit.Pursuant to the Truth in Lending Act ( " TILA '' ) 15 U.S.C. 1635 and 12 CFR. 226.23, the rescission was effective the moment it was mailed ( see XXXX vs XXXX, XXXX XXXX ). Please notice that that decision said very clearly that TILA does not make a distinction between a disputed rescission or an undisputed one-in either case, any lien holders who wish to dispute the rescission must do so with a lawsuit, WITHIN 20 DAYS, otherwise their rights are gone forever-and they are obliged to return the canceled note, reconvey the property, and return all payments and closing costs to the owner. Not only did Bank of America and XXXX not follow that requirement, they are trying to commit fraud in collusion with XXXX by the attempted foreclosure of the home ( see attached ), by foreclosing on a home where the note and mortgage, by operation of law, were voided back in March-and they did NOT exercise their right of contesting the rescission within 20 days. A couple of recent blogs by noted foreclosure attorney XXXX XXXX shed light on what B of A are trying to pull-indeed, in the first article, XXXX was fined massive damages because of their fraudulent behavior, and when I last checked, XXXX XXXX, XXXX was nowhere to be found in the county recorder 's office. In the XXXX blog, which discusses the XXXX decision from XXXX, he had rescinded years ago, but was foreclosed on anyway, and now the court threw out XXXX Bank 's motion to dismiss. Incidentally, none of the categories below really fits, but I checked " Problems when you are unable to pay, Loan modification, foreclosure. '' XXXX https XXXX I also add that all of the parties are violating XXXX XXXX & XXXX XXXX deceptive trade practices against an elderly person, as well as my civil rights ( law of XXXX, attached ) by trying to deprive me of personal property without due process ( which is true of any deed of trust state, btw ).
Consumer complaint received 2020-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-06-03
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. (TX)

XXXX XXXX XXXX is reporting a collection account ( # XXXX ) in Other Accounts section of my Equifax credit report, in violation of FDCPA and FCRA reporting regulations. Collections must be reported in the Collections portion of credit reports. 

The attached documents prove that XXXX XXXX XXXX is reporting this account incorrectly and is in violation of the law.
Consumer complaint received 2017-05-23
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. (KY)

XXXX   XXXX   XXXX  claims that I have a charge off credit card in an unknown, unidentified amount. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.
Consumer complaint received 2016-04-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: World Omni Financial Corp. (FL)

They put that I was late and I was never late, the car loan was refinanced and the other bank pay in full and on time. 
Incorrect Item : Creditor : WORLD OMNI FINANCIAL Account : XXXX Reason : Never late. Please correct the incorrect reporting on XX/XX/2015
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that they be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-28
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: Experian Information Solutions Inc. (TX)

I have disputed inaccuracies on my credit report to Experian several times without a resolution. The following accounts are reporting accurate late payments and no data on my credit history which is destroying my credit report. XXXX XXXX XXXX # XXXX is reporting 30 days late in XX/XX/XXXX. I was never late in XX/XX/XXXX. In XX/XX/XXXX I paid on time and it's reporting no data with makes this account incomplete. 

I also disputed XXXX  XXXX # XXXX several times and Experian is still reporting XXXX  days late XX/XX/XXXX and XX/XX/XXXX which is inaccurate because I paid on time on those days. 

The last account is XXXX XXXX Bank # XXXX is reporting XXXX  days late XXXX XXXX, XXXX  days late XX/XX/XXXX XX/XX/XXXX, and XXXX  days late, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These late payments are inaccurate because I paid on time on all these days. 

I disputed these accounts on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Experian has failed to correct or delete these inaccurate accounts on my credit report
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon reviewing my credit report from, TransUnion, I noticed several unauthorized inquiries listed under my file. I contacted TransUnion via certified mail on XXXX XXXX, 2016 requesting the inquiries to be removed and provide documentation bearing my signature. TransUnion responded saying the inquiries were verified and factual. In the letter sent to the bureau, I requested verification and validation but the company failed to comply. I called on XXXX XXXX, 2016 ; I called TransUnion in response to the letter and asked that the inquiries be removed from my report. I called Trans Union again on XXXX XXXX, 2016 regarding the inquiries and the agent was not helpful. The agent declined to do so and stated the information will remain for two years. The inquiries are as follows : XXXX, XXXX, XXXX, XXXX and XXXX.
Consumer complaint received 2016-04-28
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (IL)

In XXXX, 2015, I opened a new credit card account at Macy 's Dept Store. The purpose was to take advantage of attractive savings and discounts that I could use immediately upon signup. The account quickly deteriorated into a matter of Macy 's demanding payment for balances I had paid and, therefore. did not owe. The situation is made worse by the collection agency continuing to assign new penalties and interest. 

Payment was remitted for the balance on the first statement I received from Macy 's, and credit was properly given to my account. Payments for the balances on the second and third statements, however, were not credited and penalties and interest are accruing on the balance that they say I still owe. I have tried to contact them via the phone number they referred but the persons I talk to are unable to help ; apparently all they are able to do is arrange payment. They would tell me only that they live " off shore '' and that they do not have access to files other than the statements ( which I have already received! ). They recommended that I put my case in writing and mail it to an address in XXXX, Ohio, but, when I did, they responded by asking for a payment for the latest statement amount. 

There are XXXX dynamics that are worth mentioning here : 1. I pay by check in order to avoid the confusion that is at play here but, as you know, banks are able now to destroy my check and transform the payment into an electronic transaction. The receipt of payment that my bank receives from the factor is a " bank trace '' giving what is hypothetically the essential information for identifying a payment. There is no paid, or " cancelled '' check returned to my bank. 
2. The Macy 's credit card is issued by Citibank ( aka : Citigroup, Citicorp, etc. ). Citibank immediately sends the receivables to its factor Department Stores National Bank. 
Because of my inability to converse with a person who can research thoroughly my account, I am " incommunicado '' with DSNB. Meanwhile I am being bombarded with robocalls several times a day ( except XXXX and XXXX ; one must have a weekend break, you know? ) requesting that I call a certain toll-free number and arrange payment. 

May I please have your assistance in having this matter straightened out? I will be willing to have this published because, as I understand from chat rooms and social media, Bloomingdales and other stores use XXXX as a factor/collection agency and my experience can be used as a caution toward anyone who opens up a credit card like this.
Consumer complaint received 2020-10-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I opened checking account XXXX with a {$500.00} deposit, based on an offer of receiving {$200.00} through an advertisement sent to my address. Upon opening I used the code XXXX on XX/XX/2020.
Consumer complaint received 2018-11-30
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 (FL)

In XXXX, I went on a celebrity cruise and used a next cruise certificate that I had purchased 5 years ago on a XXXX American Express. The advantage of using the next cruise certificate is that Id be receiving a XXXX credit. Unfortunately the credit went to the XXXX amx which hadnt been valid for 3 years. They accepted the XXXX on my behalf so, celebrity was unable to reverse the charge. Apparently on XX/XX/XXXX amx transferred my XXXX credit to my current XXXX visa who has no record of receiving this amount.
Consumer complaint received 2015-09-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

We have an issue with my husbands transunion credit we have sent in verification 2 times now and we still can not get a copy of his credit report ... we were told its being handled by the fraud department when connected to them we were told my husbands credit and a ladys credit were combining because their socials are so close ... now I had to fax over his social security card and his credit would have to be separated or sorted from this other lady 's well its been over a week and I still ca n't get anything done
Consumer complaint received 2023-03-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TD BANK US HOLDING COMPANY (MA)

5 weeks ago I refinanced my Jeep from TD auto to my local credit union TD received and signed for the check via XXXX XX/XX/XXXX. TD lost the check and advised I stop and reissue check payoff for XXXX. My local credit union doesnt stop checks for 90 days after issue. However they stated they would make an exception if TD signed an indemnification letter stating they lost the original check. That letter was faxed last XXXX and I was told today XX/XX/XXXX they would not sign the letter. So I have 2 open loans that I have to pay on so my credit doesnt get affected equaling almost XXXX which i can not afford 2 loan payments! I have 2 car loans on my credit report for the same car. Countless phone calls to TD auto and they are doing nothing to help me. Spoke to XXXX the manager today XX/XX/XXXX advising that something needs to be done to help me. He stated he will get me an answer and call me back in 2-3 business days. I literally have no where to go for help. My credit union who I refinanced with will not stop the lost check for another 2 months if TD auto finance does not sign that letter. I am filing a complaint on TD auto finance for not helping me as they are the ones who lost my check. No one is helping me at all. I will never finance through TD auto again
Consumer complaint received 2016-06-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

XXXX/XXXX/XXXX First met with borrowers XXXX and XXXX XXXX who applied for a Loan Modification. All information was sent, however lender kept asking for additional information. XXXX had only been at his job for a couple of weeks and Capital One kept declining the file because there wasnt enough paystubs. We explained this over and over, and we even sent in a letter of employment which was also not enough to lender. They decided to close out the file as of XX/XX/XXXX when I called because of missing documentation they said. The home would be foreclosed on XX/XX/XXXX, and they would not give any options. As of XX/XX/XXXX all the information requested at the time was submitted and I had proof. I asked the file be escalated, eventually the file was reopened. They came back saying on XX/XX/XXXX they needed a new XXXX form which we sent again on XX/XX/XXXX. XX/XX/XXXX they had everything they needed I was told. I was told then the sale would happen on XXXX XXXX, XXXX and that they would not review the file. The file had been escalated to XXXX once again they had closed out the file as of XX/XX/XXXX. They reviewed that they had the documents they needed and reopened the file. Underwritter asked for more documents on XX/XX/XXXX as some of the information became outdated. All the documents requested had been sent. XXXX/XXXX/XXXX Capital One stated they had all the documents and that nothing else was needed at the time. An answer would be provided 5-7 business days. I called back and was told they needed the XXXX, I explained that it has been sent multiple times. They asked the borrower to get the IRS transcripts her self for XX/XX/XXXX and XX/XX/XXXX and submit them. This form has been sent in a number of times, and they keep asking for borrower to resend it. Initially the form was incorrect because a XXXX borrower is also on the loan, but the client had put the information just how they file their taxes. Capital One told them how to fill out the form and whos information to put on it. The form was aparently denied. I was told IRS rejected the form, and then approved, and back to denied. Capital One continues to not process information on a timely manner and eventually the borrower has to pay the price. No Single point of contact has been assigned to this file which is against the regulations. The file had to be escalated twice and it is still not being handled in a correct manner we feel.