davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-02
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: CREDIT ACCEPTANCE CORPORATION (NY)

These accounts don't belong to me. please remove them from all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2021-10-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Control, LLC (AZ)

I received a letter today from Credit Control , LLC threatening me if I do not notify them in writing within 30 days to dispute this debit they will assume the debit is valid and they will proceed with a judgement against me and take legal action against me for the disputed amount owed. I do not recognize this debit or is Beyond the Statue of Limitations. I have sent them a formal letter of dispute & to cease all contact with me in regards too. This disputed debit does not appear on any of my credit reports as being in a collection status.
Consumer complaint received 2021-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I went to a garage on XX/XX/2020. tried to fix my car. The mechanic couldn't figure out what the problem was but still asked me to pay the inspection fee. I asked him how much he said {$25.00} but the bill was actually {$120.00}. I didn't sign the receipt and they didn't even give me a receipt. Basically I didn't authorize the payment, so I tried to dispute this to Bank of America twice but they couldn't do anything to help.
Consumer complaint received 2024-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Amsher Collection Services, Inc. (NY)

XXXX credit report shows collection notice from collection agency. I Identified the source of the claim. The claimant ( Spectrum ) had my Name on the account, they had wrong address, wrong SS #, Wrong Email, Wrong telephone and wrong DOB. 

My initial complaint was with XXXX, XXXX responded stating " XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. 
A summary of the results are listed below : Collection : AMSHER COLLECTION SERVICES WE VERIFIED THAT THE ITEM IS YOURS. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ADDITIONAL INFORMATION '' So, I am refiling my complaint against AMSHER Collection Services. I initially contacted them and was told all information was from XXXX.
Consumer complaint received 2021-10-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. (NY)

XX/XX/21 I was notified by my bank the WorldRemit located in XXXX CO. debited my credit card for {$300.00} and attempted another charge for {$100.00}. The second transaction was flagged as fraudulent by my financial institution after the first one went through. A search of the business revealed multiple complaints from numerous people complaining of the same attempts on their cards. I believe this is wire fraud, correct??
Consumer complaint received 2024-10-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: NVR INC. (NJ)

Subject : Request for Assistance with Mortgage Issues at NVR Mortgage Dear CFPB Team, I hope this message finds you well. I am writing to seek your assistance regarding a concerning situation with my mortgage lender ( NVR Mortgage ), XXXX XXXX ( XXXX ), who is handling my loan for a home purchase with XXXX XXXX XXXX. 

Initially, XXXX XXXX agreed to return my initial deposit before 30 days of closing, which I now understand is not being honored. Additionally, he advised me to lock in a high mortgage rate of XXXX  % for XXXX days, and deducted fees from my initial deposit without my signed agreement. 

As we approach the closing date, XXXX XXXX is not returning the promised funds from my deposit, despite previous assurances. Furthermore, he stated that he would apply all seller credits toward HOA, escrow, or closing costs without any losses. However, he is now changing his position on these commitments. 

I have made numerous attempts to reach out to him via email and phone, but he has not responded. This lack of communication, coupled with unexpected fees, is increasing my financial burden and leaving me uncertain about my options. 

I would appreciate any guidance or support you can provide to help resolve these issues with XXXX XXXX and ensure that the terms of our agreement are honored. 

Thank you for your attention to this matter.
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

I did have to lift the freeze on my credit report earlier this month. The handling of that effort was detailed in an earlier complaint. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX This is a separate complaint. 

On XX/XX/XXXX, I received a letter in the mail from Equifax stating that they had processed my request and the credit freeze was lifted between XX/XX/XXXX and XXXX. 

The first point I'd like to make is that these letters are not sent in a timely manner. The last ones arrived after the freeze had already been reinstated. 

However, more importantly, I did not request a freeze be lifted between these dates. I don't know where this request came from and when I called the company today all they would tell me was that I called them and requested it. Even after I assured them I did not. No one can give me any explanation for this. 

This company is extremely aggravating to deal with. Its one thing to establish that the person calling is who they say. It is another to ask vague questions such as " did you ever have a consumer loan and if so what was the monthly payment '' " Did you ever have a closed store account '' as the basis of establishing your identity. They also apparently don't like that my credit union where my auto loan is identifies itself by initials. I'm annoyed with the amount of time I've had to spend on the phone in the past month due to their processes. I'm also annoyed that the employees can state that you failed to establish your identity even though you provided them with the correct answers to the questions they asked. And now they are telling me that I requested a freeze be lifted that I am 100 % certain that I did not. If this agency had a stellar reputation that would be one thing. But they do not. And they hold way too much power over people to handle their customer service the way that they do. 

I would like to know how a credit lift was placed on my file when I did not request it,
Consumer complaint received 2020-07-08
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: Neon Newco Corporation (LA)

I they allow frivolous transactions that are hard to reverse. They gave me a credit, and took it back, I made a {$69.00} XXXX on XX/XX/2020 and got charged another XXXX
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

XXXX is reporting my USAA old credit card account incorrectly. Paid XXXX XXXX {$350.00} to settle in full the {$800.00} balance on XXXX per USAAs instructions. I have a letter dated XXXX from XXXX stating I have a XXXX balance with USAA Savings Bank acct ending in XXXX after my payment. The letter also states the account is now settled in full. I uploaded this letter to XXXX, but they would not delete the incorrect info on my account saying I have a {$430.00} balance left on the account and they did not put settled in full on my USAA account on the credit report. I disputed both online and via phone again on XXXX with no change. Yet both XXXX and XXXX updated my account correctly within 3 weeks to {$0.00} balance and settled in full and my scores went up. My XXXX credit report is lowered due to incorrect reporting. Please fix asap!
Consumer complaint received 2022-04-05
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. (GA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXXXXXX XXXX XXXX  XXXX
Consumer complaint received 2019-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2019 a XXXX XXXX balance of {$7000.00} was transferred to a recently opened Capital One Quicksilver credit card to take advantage of their 0 % interest rate for 15 months. Much to my dismay I am getting charged 25.74 %.
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX, XXXX, XXXX of 2020 I asked XXXX  XXXX XXXX  to let me differ payments because we where affected by COVID-19 and they ignored me we needed there help.
Consumer complaint received 2022-10-12
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: CAINE & WEINER COMPANY, INC. (DE)

I'm XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.
Consumer complaint received 2023-01-12
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. (NY)

XXXX XXXX XXXX I previously opened a case about Equifax not reporting the incorrect information on my equifax report I didnt follow up because I started Self reporting through Ecredable who reports directly to Equifax that fixed the issue I emailed Equifax to let them know when I search my Equifax report through XXXX I see two report coming up in my business name both have the exact business name and address the only difference was one report had a XXXX credit score reflecting 8 trade lines but had no business profile. The XXXX report had a business profile but only 3 trade lines reflecting on the report I emailed Equifax to keep the report with a XXXX score and update the profile info ( XXXX, XXXX codes, XXXX, Business type, owner, telephone #, liability type, business type, and established date ) and remove/delete teh report with a XXXX score to avoid any discrepancies when lenders search my business. 

Equifax deleted the report with the XXXX score ( Ecredable help with the self reporting ) and kept the XXXX report Ive been begging them for months to be updated with my trades. Its like im back to square 1 its very frustrating dealing with Equifax. when you email no response when you call you get someone who has no clue how to help and tell you to email the inbox. 

Equifax should not be in business with the level of incompetence and no type of concern for business owners
Consumer complaint received 2024-10-09
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. (NJ)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME ANXIETY AND I WON'T ALOW IT.
Consumer complaint received 2022-04-05
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)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-04
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: Experian Information Solutions Inc. (MD)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Repeatedly Capital one has, without my permission and against my previous instructions, committed fraud by provided my banking information to previous vendors with who I no longer associate. I have tried to cancel these vendors in the past even went as far as to order a new debit card every time. Still, the bank continuously keeps providing my new debit card information to previous vendors claiming we have an annual agreement regardless of my cancellation. 
Capital one calls this their policy, but as I understand fraud, this is precisely that. There are numerous recording conversations of me telling the bank that this is unacceptable, but they claim this is for my convenience. I spent incredible amounts of hours with the bank and to no avail.
Consumer complaint received 2019-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (PA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2021-10-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Haws, Inc. d/b/a Loan House (CA)

An advertisement from the wholesale lender, Loan House, based in Florida appears to offer a referral fee to brokers while advertising " NO YSP Disclosure / NO Failing QM. '' As a mortgage compliance professional, this type of arrangement looks like payment for referral and a classic violation of RESPA, section 8. I am submitting this complaint as a concerned member of the mortgage lending community.
Consumer complaint received 2019-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (PA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, 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. (NV)

I noticed a few inquiries on my report that I don't recognize and I called both XXXX and Equifax to have them verify and/or remove the inquiries. Both bureaus refused to verify and refused to remove the inquiries. 

The inquiries I don't recognize : XXXX XXXX XX/XX/2022 on XXXX XXXX XX/XX/2022 on Equifax XXXX XXXX XXXX XX/XX/2022 on Equifax
Consumer complaint received 2021-06-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

On XX/XX/2021, I send bureaus a letter notifying them that if the failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. Since I don't receive any feedback, I don't have any option but to seek legal remedies to fix this issue.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.