davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-01
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: EQUIFAX, INC. (FL)

Hi! It's me again XXXX XXXX XXXX, I am making a follow-up with the letter I sent you over a month ago, XX/XX/2022 to be exact. I requested for you to send me the method of verification used in determining the accuracy of my credit report and you haven't sent me anything yet. I have been advised by a legal expert that this is a violation of my right, under 15 U.S.C 1681N and 1681O for willful and negligent, and non-compliance and I am willing to take it to the next step should you continue you delaying my request. This is of great importance and I trust that you will not delay any longer.
Consumer complaint received 2020-05-15
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I bought 3 airline tickets back in XXXX unaware of the covid pandemic situation that was about to happen. The airline canceled my trip from XXXX to XXXX and the coming back. XXXX XXXX, XXXX, XXXX are not responding fairly during this crisis and are tryong to keep my money. My credit card is about to quite fighting this charges with them but I dont think is fair to pay for a flight that they actually cancelled because of the situation and by presidential orders. The companies are not responding and doesnt admit that they must return the money. My credit card Capital One partially refunded but now am getting everything re-billed, which I wont pay since is not fair to pay for a service that they ( XXXX, XXXX XXXX ) cancelled. Aside from that, XXXX XXXX XXXX  fail to send me an e mail saying that the trip was cancelled and they are still charging their fees for a reservation that didnt happened. I could have fly from XXXX XXXX to XXXX and have gotten stocked in XXXX airport. I had the fortune that my sister got the same ticket with XXXX and they did provide her the info and refund of money fairly. 
Please help me get back my money. I dont want to loose my good credit but dont want to give up my money.. almost 2000 dlls in something that did not happened. 
XXXX XXXX XXXX
Consumer complaint received 2022-09-01
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

XX/XX/2021 {$28000.00} hud {$290000.00} first mortgage with Lakeview loan by XXXX Lakeview gave me an 18 month forbearance loan due to covid hardship At the end of the 18 months they redid my first and I was told I didn't need to qualify since it was already approved. 

We signed our loan docs with a promise to pay to Hud for {$28000.00} No where did we see that we would have to pay back the amount we didn't pay for 18 months, plus an additional amount of XXXX to Hud and there would be no reduction off the first once we did pay the XXXX. 

So we got an equity loan with another bank and they wanted the lien paid so they wouldn't be in the third position. 

When the loan went thru they sent a {$28000.00} check to hud and paid it off. This didn't reduce our {$290000.00} first at all and safe cu, Lakeview loan/XXXX and hud gave no good explanation while I almost paid double for a freeze in payments and I have yet to see an email of the breakdown. 

I have called multiple hours, lots of emails and very little help on the matter of the last two months. 

This was like borrowing {$1.00} from a friend and then he says don't worry about paying me back for 18 months then having to pay him back the {$1.00} and owing his brother XXXX on top of it. This is literally like dealing with a loan XXXX and I would never have done the forbearance if I would have know that I would be paying almost double for a freeze in payments. 

Can I please get an itemized breakdown of why and how this happened from Lakeview and I would like to dispute that I owe the 18 months lost payment plus a XXXX penalty
Consumer complaint received 2020-05-15
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. (NC)

It all started in XXXX of last year when I got my report from Experian and saw things that was not mine. I decided to work on getting those things off my credit report. From the time I started repairing my credit up until now I have seen my right violated. The beginning of this year my rights has really being violated, and I have had enough! 

I sent out a dispute letter to Experian on XX/XX/2020 which was delivered on XXXX the XXXX disputing 8 inaccurate accounts demanding to see verifiable proof with my signature to verify that these accounts were mine. They had 30 days to reply according to the Fair Credit Reporting Act, which they sent me nothing. They had already violated my rights by being 30 days late. On XX/XX/XXXX I sent out a non-response letter which was delivered on XX/XX/XXXX I put some leg work or to say my DUE DILIGENCE to get them some proof that these accounts was inaccurate on my report. XXXX XXXX refuse to send me anything and XXXX XXXX sent me nothing! I asked Experian the question, If XXXX XXXX, and people refuse to send me anything ; how are you verifying, and validating this information? They finally sent me a one page something on XX/XX/XXXX which all it had on their was a list of accounts I disputed which wasn't all of them, and they had a account on their twice which is now reporting on my credit report twice! That has caused my score to drop badly!! Now that response letter was to the letter I sent on XX/XX/XXXX. 

After sending out that non-response letter on XX/XX/XXXX, they sent me back a response on XX/XX/XXXX with just two creditors on it which was the wrong creditors I never disputed those two accounts and now my two credit cards has been suspended because of this false reporting by Experian, and I really think they did that on purpose!

I just sent out another letter with all the violations of my rights and stated to them that I plan on reporting them to the FTC, CFPB, and the BBB as well as getting a FCRA LAWYER. Experian has really messed up my credit and they are still saying that all has been verified!

PS. If you need more information such as all my files I have I will send it to you, it's a lot of pages to upload.

Hope you can HELP Thanks, XXXX XXXX
Consumer complaint received 2022-09-01
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. (NC)

If you refer to complaint XXXX, this company XXXX XXXX  XXXX responded to the company with no documents, validation materials, nothing to the CFPB, nothing to me, and they closed the complaint with no resolve and without documents that I am entitled to within 30 days under Federal Law - 15 U.S. Code 1692g - Validation of debts, b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 
The furnisher XXXX XXXX XXXX failed to provide to me or CFPB any requested documents that I am entitled to owe federal law within 30 Days and I hereby request that you order the deletion of these accounts listed on my credit file that was reported by XXXX XXXX XXXX. This relief I am entitled to by federal law..
Consumer complaint received 2022-09-01
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. (PA)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : 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 2022-09-01
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act # XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, ( Hard Inquiries ) on my reports that I have no knowledge of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX & XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am and have been a victim of identity theft which you will see in my report . 


15 U.S.C. 1681 section 602 A. States I have the rights 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 2022-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

Please Contact all Consumer Reporting Agencies and demand they delete these item from their reporting immediately as the items have been identified as information in my consumer credit report that is a result of identity theft. These item are not related to any consumer transactions completed by me or initiated by me, Please see attached.
Consumer complaint received 2020-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (LA)

I have been trying, for the last one and half years with no success, to remove the private mortgage insurance ( PMI ) which I qualify under federal, state and investor requirements. 

When we last spoke to the mortgage company we were told, since an appraisal fee of {$150.00} was not paid on time, the request has been canceled. But we were never notified to pay that amount to begin with despite their claim a voice mail message was left in regards to that. 

Also a late fee was assessed on XX/XX/2018. I was hospitalized over 3 weeks for XXXX XXXX ( aka XXXX ) during that time and was unable to pay monthly mortgage on time. I provided documentation to that effect and requested that the late fee be removed numerous times, to no avail. This is despite I had paid my payment on time every month on time.
Consumer complaint received 2022-09-01
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. (VA)

I filed a dispute with Equifax in regards to XXXX bankruptcys reporting on my public record, so they started an investigation they removed one stated that it was verified inaccurate, then the second one they stated was verified and that is totally incorrect, the issue is the one reporting discharged for 2018 thats inaccurate I never filed bankruptcy before. So I contacted the courts myself to verify the accuracy of this. And they stated that they put in my information and there is no record of a bankruptcy filing under my name or social.
Consumer complaint received 2022-09-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (CO)

I had noticed a charge on my credit report for LVNV FUNDING I had no idea what that was so I sent a debt validation letter to them last summer XXXX which they did not respond to. The very first time I was contacted by LVNV Funding themselves, it was to be served because they were suing me XX/XX/XXXX. The case had a set date I believe XX/XX/XXXX and then XX/XX/XXXX but ultimately the whole thing was cancelled. I called in XXXX before the first court date in an attempt to settle and was told I would be contacted shortly. XXXX came and I still was not contacted. I received a letter in the mail stating my court date had been pushed back to the XXXX, and a few days later I got a letter saying my court date was cancelled. I called LVNV again trying to understand what happened, left at least 5 voicemails for a XXXX that works there ( that I was waiting to be contacted by. ) I called a general line at LVNV and was able to talk to someone who said that my profile was set on do not disturb status which I never requested. They also were able to clarify what this debt was for, which was a XXXX account. I asked for that to be reset because I wanted to discuss this. The agent said he was unable to, again being told I will be contacted through mail & again never receiving anything, even after confirming my mailing address. I see it every time I check my credit report, and they have now added on $ XXXX in charges and I havent been able to discuss anything with anyone let alone set up a payment plan to settle the debt. I really need them to either contact me so I can settle this matter or remove it from my credit report so it stops harming me and my reputation
Consumer complaint received 2022-09-01
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.XXXX  XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date Opened XXXX/XXXX/XXXX  Balance : {$12000.00}
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized to be placed on my consumer credit file. My privacy rights have been violated. There are variation of account numbers and incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include Equifax, XXXX and XXXX all three agencies have had data breaches. I have disputed with all the XXXX major credit reporting agencies only to be denied. On XXXX XXXX, 2022 my credit score plummeted over 100 points. This company XXXX has been on my consumer account with these inaccuracies. It has cost me a great deal of grief, money, time and stress. It has affected my health, credit score has decreased, for years I have been denied credit, denied employment, denied housing opportunities and loans
Consumer complaint received 2022-09-01
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)

XXXX XXXX XXXX- {$2700.00} Wrong information do not know this account fraudulent XXXX XXXX XXXX - {$340.00} Fraudulent account XXXX XXXX  - XXXX Fraudulent account
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (GA)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the XXXX  , XXXX  in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Consumer complaint received 2020-05-15
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. (GA)

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

I am attaching all the documentation that was submitted to all 3 bureaus ... ..none of the items were investigated or blocked and removed within the 4 day window to block and or remove per the Identity Theft Affidavit submitted or the 30 days allowed to investigate and therefore all the items listed in the attached documents by law should be deleted immediately.
Consumer complaint received 2020-05-20
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. (AR)

I was informed by my salesman that I was not approved to finance a vehicle because of many derogatory items on my report. I then asked him to show me my report and there was a list of items that are not mine. Please remove these items from my report as soon as possible.