davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-09
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 contacted Experian multiple times about items that I have found to be identity theft and of inaccurate. Pursuant to 15 USC 1681c-2 a consumer reporting agency has 4 business days to block information identified by the consumer as identifying theft in 4 business day. Experian has declined multiple times to remove inaccurate information from my consumer report. Experian keeps advising that they did a electronic investigation to confirm accounts was valid by only speaking to the alleged creditor. This investigation process violate my consumer right. An investigate consumer report is personal interviews with a consumer neighbors, friends, and associates and shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer ( 15 usc 1681a ( e ) ). Also I never gave Experian permission to furnish my personal information. Pursuant to 15 1681b ( 2 ) a consumer reporting agency may furnish a consumer report in accordance w written instructions of the consumer too whom it relates. They have never asked me for permission to furnish my report. Pursuant to 15 usc 1681e ( b ) when ever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about him the report relates. Experian is not assuring maximum accuracy of my report because they are violation my consumer right. After notifying Experian of multiple errors on my report they deleted some accounts per my request. Pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ) I requested compensation for damages sustained due to the inaccurate information furnished on my report. Experian recieved tht information XX/XX/2021 and still have not responded.
Consumer complaint received 2018-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IA)

It appears that the payment was incorrectly applied when I made an early payment. A full month 's worth of interest was charged ; however, the payment was made on the XX/XX/XXXX. Interest was prepaid at the inception of the loan for the five days in XXXX. The interest should be {$620.00} ( 4.75 % * ( 16/360 ) ) conservatively. Instead, the full {$1100.00} was accrued against my payment. Further, my second subsequent payment was made on XX/XX/XXXX and I was charged a fuIl month of interest, which is essentially double-recognition by Wells Fargo. All the interest charged has not been earned by Wells Fargo and should not be charged from future periods. Please let me know if you have any questions.
Consumer complaint received 2019-03-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on loans with XXXX - partial account numbers XXXX ; XXXX ; XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2015-05-12
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I bought my house in XXXX, my first lender was " XXXX ''. Couples months later my mortgage was sold to " Bank of America ''. In XXXX I applied for a loan modification and got approved. Couples months after the loan modification Bank of America resold my mortgage to XXXX XXXX XXXX XXXX Bank ''. About 2 years later or XXXX XXXX Bank of America repurchased my mortgage ( for the second time ) now from XXXX XXXX XXXX Bank. But since XXXX XXXX, XXXX I started receiving letters from Bank of America telling me that my house is going on foreclosure while I am not behind on my mortgage payment. They keep sending me a bunch of options to stop the foreclosure what kind of nonsense is that?
Consumer complaint received 2021-11-04
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: Experian Information Solutions Inc. (FL)

I have requested that Experian remove 4 tradeline accounts that appeared on my consumer report. I have been requesting them to complete this for over a year. The account names are : ( 2 ) XXXX XXXX XXXX, XXXX accounts, XXXX XXXX XXXX account and XXXX XXXX XXXX account totaling {$9100.00} off of my consumer report. And everytime that I have requested them to do so, it was never done. It wasn't until recently when I started to read and learn the law for myself did I figure out what I needed to do in order to have this fixed. I have attached the FTC identity theft report to this complaint so that they can finally remove these tradelines from my consumer report. 
These accounts being on my consumer report has had adverse effects to my reputation, character and ability to secure a job. I am not satified with the way this comapny has overlooked my request and not followed through at all. I have spoken to several people over the phone and it seems as if no one wants to help me. 
I am not satified and I am hoping that the CFPB can assist me with this issue.
Consumer complaint received 2019-03-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (VA)

On XX/XX/XXXX I opened an account with XXXX. The Account was closed on XX/XX/XXXX. I got a derogatory remark on my XXXX credit report, Stating that this account got sent to collections. However I wasnt never notified about this debt and never received the bill. I would like to address this Immediately and either pay off the debt or get this negative remark removed from my report.
Consumer complaint received 2023-05-04
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. (NJ)

The Fair Credit Reporting Act entitles me to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said! You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2+, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. If the listed claims are found to be inaccurate, please provide accurate and verified information for each claim, as the allegations are not true. If that is indeed the case, I will delete them immediately
Consumer complaint received 2021-10-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

A company name Midland Credit Management is trying to collect a debt from me that is not owed. I never received any credit cards from this company. I sent a letter to the credit bureaus to remove it. I also sent communications to the company but have not received a response. This may be someone else using my credit. I was a victim of fraud in the past. This false debt is having an adverse affect on my credit report and I want it removed.
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

I opened this BJs credit card as it was to give a cash promo, which they quickly used as FEES later so I called for the amount to cancel the card completely with the full amount to absolute XXXX no XXXX later of pennies as they are doing now ... .so I can cut this up never see them again. I Never saw just piles of high fees they want to attach. Don't you figure .... now it tried to add another lousy XXXX for no reason, I figures they would you go through so much to find this company and get an answer. 
Im on hold RIGHT now again this whole time here as they didn't answer last time and how it's over 50 % charge to add to this lousy XXXX to get interest, of XXXX dollars and more interest on that interest. 
I saw this coming and why I cancelled the card. I am ALREADY in a once and done finish with her giving me the total never using the card again and paid. 
SO all this extra is to cause problems 45 days later ... no fees could have happened at all after we were COMPLETELy clear on them not pulling this. This is an old XXXX card scam. Not gon na happen and I'm complaining and warning everyone I know not to go near this UNKNOWn Bank as well that is behind the BJs company. NEVER ever. 
Now the on hold again can't take it for more than22.39 seconds and hung up on me. 
Same old same old. THey need shut down. The Bank is a scam of fees with NO employees and NO phone to get someone, They try to keep adding {$41.00} late fees and it says it still on the back page. Never let anyone get this card. PS. THEY DO NOT WANT YOU CALLING. THEY WANT YOU DIGGING ON THE INET FOR A NUMBER AND THE PAPER BILL WANTS YOU TO SNAIL MAIL ANY ISSUES> OH<<< SO IT '' S LATE AGAIN? FOR ANOTHER $ XXXX XXXX SCAM.
Consumer complaint received 2015-08-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

i have many HARD INQURIES on my report recently, but the only things i have applied for are PRE APPROVED credit cards ( XXXX XXXX ) and was approved. How do i remove these HARD INQUIRES?? my credit score went DOWN considerably due to this. 
ALSO MY XXXX ACCOUNT IS FROM 2007..THIS SHOULD BE REMOVED AS IT WAS SATISFIED. XXXX XXXX EQUIFAX HAVE THE INCORRECT INFO )
Consumer complaint received 2021-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have reached out to Transunion and XXXX regarding inaccurate, and erroneous items on my report. Each time no information was provided to me how they verified each item. I mentioned to them I was apart of the XXXX data breach as well as a data breach through XXXX XXXX and Im afraid my information feel into the wrong hands. I provided detailed information on the inconsistent information on my report. These items are injurious to my report.
Consumer complaint received 2017-02-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P. (CO)

I was an employee of XXXX and provided with virtually free XXXX as a benefit, all I paid was {$8.00} for the DVR converter. They terminated me, I suspect it is because I disagreed with their benefit of service policy which held individuals who shared addresses responsible for bills verses just the contractually obligated individual. They immediately increased the rate of my service instead of canceling the service at the end of the period paid through or providing me adequate notice of a rate increase. This resulted in a XXXX collection account. This is so long ago I do not recall when I canceled. I disputed this debt with them due to not receiving adequate notice and never agreeing to the amount billed. XXXX then sold this to a third party. The company they sold it to, Credit Protection Association, XXXX, XXXX TX XXXX, also attempted to add a {$5.00} collection fee to make the total XXXX. When I requested a copy of the contract and disputed the collection fee they sold this to another company. I disputed this again with XXXX XXXX, XXXX GA XXXX, who reported a balance of XXXX to all three credit bureaus. I disputed this and had it removed from my credit report. Now the debt has been sold to another company XXXX, XXXX FL XXXX and is once again being reported on all three credit bureaus. I will be disputing XXXX but this should not have been sold to them in the first place. I have disputed this debt multiple times and it just gets sold to someone else.
Consumer complaint received 2024-02-21
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: EQUIFAX, INC. (NY)

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, XXXX of XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX  -XXXX  XXXX XXXX, XXXX - XX/XX/XXXX, XXXX - XXXX XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX, XXXX ( Finance ) - XX/XX/XXXX, XXXX XXXX  - XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX Bank - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX has violated my rights. 

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 a account without my written instructions
Consumer complaint received 2022-07-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (IL)

I was on a Covid forbearance plan intended to help save my home. I got a new job, recently ended the forbearance, and applied for a Covid relief modification. I have been in my home since XX/XX/2013 and received a letter from my mortgage provider that stated they are approving the modification for 30 years, and my interest rate will go from 4.25 % to 6.00 % which will increase my mortgage to {$1700.00}. If I don't agree to this increase, I may lose my home. I don't understand how making my mortgage payments higher with an increased rate helps.
Consumer complaint received 2015-11-03
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK (CA)

On behalf of the XXXX+ customers who had their personal information exposed as a result of vulnerabilities within Scottrade 's security systems, I kindly would like to inquire : Why did Scottrade ignore the following warnings about inadequate security systems? 

The various police/tracking numbers include : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXXCFPB-CFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXX Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXOCC Case Numbers-XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXScottrade 's failure to appropriately investigate the above referenced complaints and law enforcement reports lead to the exposure of personal information of XXXX of customers. 

I am requesting that the CFPB publish this complaint on consumerfinance.gov so that others can lean from my experience. I respectfully request, that Scottrade also provide a public response.
Consumer complaint received 2023-04-02
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. (TX)

I am writing to dispute a collection account on my credit report that has been reported by XXXX XXXX XXXX ( account # XXXX ). The original creditor of the account is listed as XXXX  XXXX XXXX. However, I believe that this account is fraudulent and the result of identity theft. 

I have never had any business or financial relationship with XXXX XXXX XXXX, nor have I ever authorized any transactions or account activity with them. I have also never received any communication or billing statements from them. 

Upon reviewing my credit report, I noticed that this account was listed as a collection account by XXXX XXXX XXXX. I immediately contacted XXXX XXXX XXXX and requested more information about the account. They were unable to provide any evidence of the debt and could not explain how the debt was incurred. This is further evidence that the account is fraudulent. 

I am requesting that the fraudulent account be removed from my credit report as soon as possible. I have already taken steps to report the identity theft to the relevant authorities, and I have filed a police report to document the crime. I have also contacted the original creditor, XXXX XXXX XXXX, to inform them of the fraudulent activity. 

Please find attached copies of my identification and other supporting documents to assist in your investigation of this matter. Thank you for your attention to this matter.
Consumer complaint received 2024-02-21
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: EQUIFAX, INC. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, NY XXXX COMENITY CAPITAL BANK XXXX XXXX XXXX XXXX, OH XXXX Re : XXXX XXXX XXXX XXXX Comenity Bank BJs My Perks MasterCard You have not responded to my previous dispute, and you continue to disregard the terms and conditions of your User Agreement. On XX/XX/XXXX, I made a purchase at the XXXX XXXX, NY BJs in the amount of {$110.00}. Please review the attached copy of both the BJs online receipt and your transactions and statement records for this purchase. Despite the terms and conditions on the Rewards applicable to this card, you are not tracking, processing, or crediting these Rewards accurately since XX/XX/XXXX. This was compounded with further insult when your online services list an award having been redeemed for - {$10.00} on XX/XX/XXXX, when the BJs receipt clearly shows no such award was used. Correct this error, re-credit me the incorrectly adjusted {$10.00} Reward, correctly accumulate and allow the use of all Rewards, and honor your terms and conditions! 

This is the most outrageous behavior I have ever encountered with accredit card and bank. It is 1 month since you started your online update, and your customer services, records, and processing are all still completely whacked the XXXX out! Get a grip! 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-03
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. (IL)

Please remove the following inquires and accounts that violates my consumer rights according to 15 us code 1681b. MY CHARACTER TO ESTABLISHED CREDIT IS BEING TOURNISHED BECAUSE MY RIGHTS AS A CONSUMER IS BEING VIOLATED ACCORDING TO THE US CODE LISTED IN MY REPORT. PLEASE REMOVE ASAP
Consumer complaint received 2016-08-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have contacted Bank of America and asked for my title to be released through writing a letter of dispute to the BK department who forwarded it to the Lien release department. I was informed today that the bank will not release my lien unless I pay an additional sum of XXXX even though I have a print out showing my loan was at a XXXX balance after making the final pay off amount of {$960.00} on XXXX/XXXX/11. I also was forced to pay an additional amount of {$7700.00} after the XXXX balance statement was given to me on XXXX/XXXX/11. Please refer to my attached letter for additional information
Consumer complaint received 2024-01-23
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. (MD)

I am writi ng to follow up on my previous noti ce sent on 45 days ago from the date of this lett er, regarding the dispute of certaininformati on in my credit fi le. I am specifi cally addressing the fraudulent informati on listed below as a victi m of identi ty theft ; SeeFraudulent Collecti on Account Summary in letter.