davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Fidelity National Financial, Inc (VA)

I'm in the process of buying a house. On XXXX XXXX I signed a contract with XXXX XXXX company in XXXX  XXXX, VA. They were to do the title search then notify my mortgage broker when I was " clear to close ''. I received my " clear to close '' on XXXX XXXX from XXXX XXXX XXXX  XXXX. My closing date was scheduled XXXX XXXX, XXXX. On XXXX, I was notified that the seller had a paid off home improvement loan that was taken out in XXXX that never had a " release of loan '', therefore my closing has been delayed. I have now lost 20 hours of time and a half pay that I could have earned but turned down hoping to close on this house. I am already paying the utilities on the house as of XXXX XXXX to prevent any disruption in service and to protect pipes in the event temperatures drop. I feel the lender to the seller has not followed their commitment to the seller and my title company should have found this prior to the day before my closing. I will end up losing more earned income when all is said and done to rearrange my schedule as a XXXX  which is not an easy task. I look forward to hearing back from your agency.
Consumer complaint received 2021-12-07
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 — Problem with personal statement of dispute
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

HSBC bungled their process by stopping auto-pay during their pandemic assistance earlier this year. I filed a complaint with you already and you closed it without resolution. XXXX. HSBC sent a 14 page cover -XXXX that did not address the complaint. They stopped autopay without my consent and provided no notification of any kind by telephone or email before cancelling my account, putting me in collections and reporting me as delinquent after nearly 40 years as a customer with a perfect record. It is an absolute embarrassment, and your agency accepted their answer without any follow up or discussion. The terms were not clear, phone agent had heavy foreign accent and we assumed everything was fine. Then they treated us like we were XXXX.
Consumer complaint received 2021-12-07
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. (GA)

Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.
Consumer complaint received 2021-12-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2022-03-22
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. (DE)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-12-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Select Management Resources, LLC (TX)

I took out a title loan XXXX XXXX, 2021 at Loan Star Title Loan XXXX XXXX XXXX  XXXX for XXXX. My loan payment was due XX/XX/2021. I called to make the payment XX/XX/2021. Unfortunately, my car was hit by another car and totaled on XX/XX/2021. 
I notified the XXXX XXXXompany. The XXXX  company sent a payoff request to Loan Star title XXXX and Loan Star title requested XXXX to payoff a XXXX loan less than 60 days. I called and spoke to XXXX at XXXX. I advised her this is considered predatory lending. She stated Loan Star Title would refund me the over stated interest shown on the pay off. I can not get her or anyone in her office to answer or return my calls regarding my refund check. I was charged ~ {$1700.00} in fees for a loan less than 10 days past the due date due a car accident that wasnt my fault. I am requesting your assistance to help protect people needing this type of service against senseless predatory lending in Texas.
Consumer complaint received 2021-12-07
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. (NY)

I am XXXX XXXX and I am submitting this complaint myself. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Transunion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my report. Below are the inquiries thatare still reporting on my report and needs to be REMOVED COMPLETELY FROM MYCREDIT REPORT : ( XXXX Inquiry Date XX/XX/XXXX, XXXX  XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXXnquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX )
Consumer complaint received 2021-12-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (MI)

I applied for an apartment at XXXX XXXX  on XXXX there was an app fee of XXXX dollars for me and an app fee for XXXX dollars for XXXX XXXX XXXX this was paid with a check for XXXX dollars. see attached. 

XXXX XXXX asked for a check for a deposit of XXXX dollars that would only be cashed if I was approved for the apartment. 

Per there application they had 10 days to deny or approve the apartment. They denied, then on XX/XX/2020 XXXX XXXX days after I applied they attempted to cash this check. It is clear this was set aside for deposit and instead of mailing the check back or destroying it they had misplaced it, found it, did not know what it was for and just cashed it. but this check was declined at this point. Please keep in mind the cashed and cleared the XXXX dollar check for the two app fees on XX/XX/2020. 

I have tried to call them and ask them for an itemized bill numerous times. i have attempted to email them as well. If I am missing something and I owe them XXXX dollars I would like to know why and what for. the refuse to provide that for me. 

to make matters more difficult the collection agency or there company has been sending the bill to the wrong name. the have been trying to bill my XXXX year old daughter and there fore i was just recently made aware that this is on my credit report. 

ive asked them to provide a itemized bill and they have not done so. ive asked them to take it off my credit report because i do not owe that money and never have. i have also never received a bill from this. 

I have done everything possible to resolve this situation and would have no problem paying XXXX dollars if I owe XXXX dollars. but as of yet i fail to see where they could believe i owe them money. if so all I am asking for is documentation and I will pay it. but given that they have refused to provide that and that they have been attempting to bill my daughter I have asked this be removed from my credit report. 

I would suspect XXXX XXXX has a tendency to operate like this and most people give in and just pay because it is such a small amount of money.
Consumer complaint received 2023-03-23
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. (SC)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 Balance XXXX XXXX XXXX XXXX Balance 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 2021-12-07
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. (MD)

I have been trying for over a year to get a XXXX doctor bill removed from my Equifax report. i have provided the agency 6 times with my XXXX health insurance number that repeatly was sent to XXXX XXXX this bill is from 2015 ( over6 years ago ) .. Equifax is steadily lying saying they verified the debt, all in 30 min of the disbute. This is a doctor bill and by law they can not keep this on my credit report especially if i do not owe it.
Consumer complaint received 2021-12-07
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)

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 have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-07
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. (MI)

Hello, To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report.
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (AL)

As defined by the IRS. Even if you didnt receive a Form XXXX, you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge off as Gross income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which in fact makes the reporting of this account inaccurate. Ive attached the full IRS publication for review *page 3* is the page that needs to reviewed*, as well as the letter that was submitted to Navy Federal Credit Union with these same details.
Consumer complaint received 2021-08-27
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. (MD)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX-XXXX  - Balance : {$6200.00} XXXX XXXX-XXXX - Balance : {$450.00} XXXX XXXX-XXXX  - Balance : {$11000.00} XXXX-XXXX-XXXX  - Balance : {$450.00} XXXX XXXX XXXX-XXXX  - Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX - Balance : {$250.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$860.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) -XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$120.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX - Balance : {$300.00} XXXX XXXX XXXX ( Original Creditor : TH XXXX XXXX XXXX ) -XXXX - Balance : {$100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) -XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX - Balance : {$120.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX - Balance : {$120.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) -XXXX - Balance : {$0.00} ( Original Creditor : Medical ) XXXX - Balance : {$25.00} ( Original Creditor : Medical ) XXXX - Balance : {$25.00} ( Original Creditor : Medical ) XXXX - Balance : {$25.00}
Consumer complaint received 2021-08-27
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: EQUIFAX, INC. (IL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2024-10-25
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. (MD)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. XXXX XXXX XXXX XXXX Balance {$5600.00} XXXX XXXX XXXX XXXXXXXX Balance {$1900.00} XXXX XXXX XXXXXXXX XXXX Balance {$2500.00} XXXX XXXX XXXX XXXXXXXX Balance {$5000.00} XXXX XXXX XXXX XXXX Balance {$7800.00} XXXX XXXX XXXXXXXX XXXX Balance {$2700.00} XXXX XXXX XXXX XXXXXXXX Balance {$1100.00} XXXX XXXX XXXX  XXXX Balance {$3500.00} XXXX XXXX XXXX  XXXX Balance {$2800.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX  Balance {$3500.00} XXXX XXXXXXXX : XXXX Reference Number XXXX XXXX XXXX : XXXX  Reference Number XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2022-06-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC (NY)

I used XXXX to make two payments on Friday, XX/XX/2022 through Zelle- both payments were for {$310.00}. 

Both payments are listed as 'processing'- neither one has been paid and I am being told that it is impossible to cancel the payment. 

I was told on Friday by XXXX that it would take 2 business days to process because of an OFAC investigation and that there was nothing they could do. It is now Tuesday. The payments are still showing as 'processing. ' The XXXX representative told me today that it could take up to six days. XXXX still claims they still can not cancel the transfer. They recommend I pay the person I owe the money to in a different way and then hope that person gives me back the money if an when the Zelle payment actually goes through! 

There is no way to speak to someone at Zelle. They claim it is up to XXXX to address the problem. XXXX claims it is out of their hands.
Consumer complaint received 2021-11-22
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. (FL)

I am 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 Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX 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 Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2021-11-21
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Fail to notify me with the proper documentation on why my account has been blocked denied access to my funds With Bank of America Prepaid never received a notification due to filter screening I have been denied my rights as a consumer to obtain my funds I never gave authorization for the bank to deny me from obtaining my money
Consumer complaint received 2022-03-21
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: Mr. Cooper Group Inc. (VA)

On XXXX XXXX 2021 and XXXX XX/XX/2021 the mortgage company Mr. Cooper, requested a copy of my credit report without my consent or permission, repeat without my consent or permission.
Consumer complaint received 2021-08-27
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 (NJ)

I called capita one on XX/XX/2021 to ask the amount I would need to pay to keep my account from going into a 30 day past due status. The representative I spoke with advised me to pay a minimum of {$180.00}. The capitaL one statement does not tell you how much is past due from the last cycle, but only tells you that it is past due. I paid {$200.00} on XX/XX/XXXX to avoid being 30 days past due, as advised by the Capital one has agent. On XX/XX/XXXX, I received an alert that my account was reported 30 days past due. This was very disheartening as I did what capital one advised. I called today and spoke to two agents XXXX XXXX XXXX ) ID ( XXXX ). The first agent was rude and unhelpful. She suggested that I speak to a supervisor. The supervisor named XXXX was helpful and told me that I should of paid {$200.00} instead of {$200.00} and that the previous rep misinformed me. At her recommendation, I paid the {$7.00} and submitted a dispute via the credit bureaus. I would like captial one to remove the delinquent status since I was misinformed by their representative.
Consumer complaint received 2021-06-04
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: EQUIFAX, INC. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.