davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-03
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. (NV)

I submitted a dispute to all 3 credit bureaus ( XXXX, XXXX  and Equifax ) on XX/XX/2020 via USPS certified mail. Per Federal Law ( Fair Credit Report Act ) the credit reporting agencies are required to complete a full re-investigation within 30-45 days of their receipt. Unfortunately, it has been four months and I have not received any responses from these credit agencies. I am really confused and would like to know why I am not receiving a response as required by Federal Law?

Did the credit bureau receive my reinvestigation request/dispute letters per the date provided by USPS?

If my dispute was not received, then who has all of my account information, copies of my ID, SSN and bill that was sent via certified to the credit bureau?
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (OK)

I received a direct express card without my knowing my social security check was suppose to be deposited into my account but was deposited on to a direct express card which was sent out to the wrong address so I never knew a direct express card existed until XX/XX/XXXX when my payment was supposed to be in my communications XXXX XXXX XXXX savings account and it wasnt there so I called Social Security and they informed me that my payment had been put on a direct express card and they advised me to call direct express find out why I never received a card and request a card expedited mail so that I can get my money off the card I contacted direct express and direct express informed me that the card had been issued and use that morning XX/XX/XXXX card ending in XXXX but the first card sent to this address ended in XXXXso I informed direct express that I had never received a card I knew nothing of a card and the card had been stolen in the process I found out the card had been sent to an address which is XXXX XXXX XXXX XXXX XXXX my address is XXXX XXXX XXXXXXXX XXXX XXXX so at this point direct express said that the card had completely been used so at this point it was a fraud so they informed me that it was a a second card expedited to this same address on XXXX. So someone received the card before the XXXX when money was put on the card on XX/XX/XXXX. At XXXX am all money had been spent except for XXXX dollars and the would transfer to a new card and expedited to me but by the card got to me it was negative amount on it and then I was informed by direct express that that the XXXX was money that was pending so they went through.I submitted a dispute and it was rejected and the ticket was closed I have reached out to direct express on why it was rejected and I have been informed that there is no way to contact the despute department and I filled a police report and the XXXX police department have reached out to Direct express about getting the full card number and Direct express will not provide XXXX Police Department with the information that they need to proceed with prosecution because they have leads on this fraud investigation. So Direct express will not refund me my XXXX.which was clearly a mistake on there behalf by sending a card to a wrong address.
Consumer complaint received 2020-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BARCLAYS BANK DELAWARE (FL)

This is to dispute a credit hit regarding a late charge on my account. This account balance was paid off completely early last year. As my wife does our accounting and we had not charged anything to our account we were not aware that there was a yearly fee that went against this account in XXXX. The statements that were sent via email were sent to a generally spam email that I have and not an email that I regularly monitor. There was no attempt to make me aware of this past due payment via standard mail or via phone call which Barclay has available on my account. I only became aware of this past due statement when I saw when trying to refinance my home that I had 1 past due payment which we are always on top of as a family. This has severely negatively effected my credit score and I would ask based on the reasons above that it be removed from my credit history.
Consumer complaint received 2023-01-23
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. (CA)

Experian has been refusing to remove a credit card and a collection from my credit report. I have filed numerous identity theft disputes with a valid police report for XXXX XXXX Police Department. My identity was used by a family member that temporarily stayed at my residence. She used my info to obtain credit and other goods. Ive been fighting with Experian since approximately XX/XX/2022. They have not been so friendly.
Consumer complaint received 2021-05-09
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. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$79.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2019-04-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I paid my XXXX 's credit card on XXXX XXXX through Bank of America, the total amount is $ XXXXDuring XXXX, I check my checking account and found this transaction, the description writes : XXXX XXXX . So I went to branch and ask them to check what was the transaction. They told me it was a ATM withdraw, means someone took money from XXXX XXXX  ATM. I then reported Fraud transaction. And on XXXX 's sent me a mail to say they have error on my bill and then put {$500.00} credit back to my bill.Then I understood, XXXX 's and XXXX XXXX are the samXXXX thing. So I told Bank of America, everything was clear and the transaction had no problem and they closed my claim. but later XXXX 'S put the credit back to my bill and asked me to pay for it. I contacted XXXX 's and told them I already paid the credit during XXXX, and fax them the documents from my Bank of america account, all that documents showed I paid and this fund never came back to my account. they rejected my claim every time and insist to say this amount of money already returned to my bank. 
I contacted Bank of America, I told them the situation and asked them : 1 ) return the money to my account, then I will pay XXXX 's again. or 2 ) find out my money! their response is they didn't get the money back from XXXX XXXX and maybe it was hold in VISA CREDIT CARD CO.I asked them to find out my money, cause I am their customer. They said they can't help with that. 
I would like to find out where is my money, and try to fix the problem. and I'm very disappointed at the irresponsibility of Bank of America
Consumer complaint received 2023-01-23
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: The Receivable Management Services LLC (NC)

To Whom it may concern i am writing because something about a collection was noticed by me after checking my consumer report recently. i never received any notice in the mail or by email of this account nor any phone calls to my understanding. this account just appeared and thats how i found out about it so i am asking for assistance in this matter i have also mailed letters to XXXX, XXXX, and XXXX because people are putting inquiries and accounts on my profile without permission. 
Please Assist me in this matter
Consumer complaint received 2019-04-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources (NC)

On XX/XX/2019 I sent a letter requesting verification of the debt that was owed. I also requested verification stating that I allowed them to obtain my medical information. It has been more than 60 days and I have not received any correspondence back. Per the FCRA the creditor had 30 days to submit verification of the debt which they failed to do because I do not have a contract with this creditor. The creditor has no contract with MY SIGNATURE on It that shows verification or permission from me to allow my information to be shared. Due to them not being the original creditor, no money is owed
Consumer complaint received 2019-04-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: AMERICAN EXPRESS COMPANY (CT)

I deposited a check in the amount of XXXX via Bluebird mobile app today, XXXX. I chose money in ten days as a processing time instead of money in minutes for a fee. The transaction ID is XXXX. The available date of funds shows as XX/XX/XXXX, which is months away, not ten days. I brought this to the attention of a rep with Bluebird, he told me to disregard it and I can cancel it if I want to since it is in pending status, which I do not believe is an option. There is no such cancel option showing on web-site or mobile app. From past experience, Bluebird reps have given me varying different reasons for technical errors such as this, all have turned out to be bogus. Case in point, I have attempted to add a debit card which I had on my account prior, except it is a new card number. I received an error message which stated service unavailable, I believe. I called customer service numerous times, was given different reasons for error and they all turned out to be incorrect. I request Bluebird look into this error and correct it.
Consumer complaint received 2019-04-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: The J. G. Wentworth Company (LA)

I sold 132 annuity payments to J.G. Wentworth in XX/XX/XXXX, {$1900.00} each. Totaling {$250000.00}. I received {$30000.00}. I contacted them to see if we could renegotiate the deal but was told there was nothing they could do. The payments start XX/XX/XXXX and end XXXX. I was led to believe that the reason I received so little was because of the risk they were taking. There is no risk. The payments are guaranteed and insured. Even if I died before XXXX the payment would then go to a beneficiary. I feel mislead and ripped off. 

When I contacted them for copies of all the documents related to the deal, I was sent the wrong papers. I tried 3 times before giving up.
Consumer complaint received 2022-02-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (TX)

As discussed with CFPB officer over call, this is not a duplicate complaint and asked me to raise a new complaint. 

As XXXX from Rocket Mortgage said during the loan estimate process, the XXXX dollars will be used to cover my loan origination fees, which was not levied during the loan procedure. Why customer need to pay if XXXX has not communicated to other loan office XXXX? 

Q1. Please explain why the XXXX dollars listed under adjustment and credits in the loan estimate document were not applied at closing. If customer notify you for missing credits to you, why are you not reimbursing? 

I simply want an answer to the above question, and I'm also submitting a complaint under the Texas Deceptive Trade Practices Act which need minimum 60 days. I have loan estimates from more than four lenders, but no one has shown me adjustments or credits, which is violation of deceptive trade practice. I have already provided all those details in XXXX. Also, I have raised complaint with Attorney general of Texas as well. 

If you don't want to reimburse me that amount, please let me know reason for the same.
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian I hope that the CFPB looks at your reporting on my account and contact you about the { fraudulent reporting } <reporting >. twice and validateing with company that does not own account, You also state you investigated but your report states you didn't do anything to investigate this is fraud. remove this alleged account at once both of them enclosed is my evidence of your fraud reporting. TEN days to respond your stated you investigated
Consumer complaint received 2023-01-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bridgecrest Acceptance Corporation (IN)

Dear Bridgecrest, This letter is to dispute an incorrect closed account on my credit report that is listed as closed and past due with your company.

I am writing to dispute this account because the Fair Credit Reporting Act ( FCRA ) states that information on my credit report must be accurate and up to date. This account was closed and fully paid more than seven years ago, which is the maximum amount of time a negative account can remain on my credit report. Additionally, the collection date on the account has already expired, so even if the account was still open, it would not be reported to the credit bureaus. 

I am requesting that you immediately remove this account from my credit report in order to comply with the FCRA. Please provide written confirmation that the account has been removed from my credit report within thirty days of the date of this letter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-04-09
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: The Outsource Group, Inc (FL)

XXXX, XXXX has negatively reported to both XXXX  and XXXX bringing my score down XXXX points. I have been paying on this account since the first bill came last year. I have the payments to the XXXX XXXX XXXX sent automatically like i do for all my other medical bills. I desputed with XXXX  and they removed permanently. XXXX  recent decision on my despute said the account stays negative on my filing. I've requested they permanently remove it because i have been paying on it since last year. Again, I'm requesting. Now from cfpb to remove and delete permanently like XXXX   did, since XXXX  refuses to help me with this matter. I have never negated to pay which is why i set up auto payments and dont think its fair they collect my money every month and yet still report negatively on my credit bearau i have so responsibly worked so hard to maintain my entire life. Thank you
Consumer complaint received 2023-01-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC (NM)

I recently purchased a XXXX XXXX XXXX from Carvana but have been unable to obtain possession of the vehicle. This purchase is financed through XXXX XXXX XXXX XXXX. This payment was received by Carvana on XX/XX/XXXX. A copy of the payment information was uploaded on XX/XX/XXXX as requested but no attempt was made to verify the funds. All obligations regarding this agreement have been fulfilled. The appointment to transfer possession of the vehicle is scheduled for XX/XX/XXXX. However, your customer service representatives have cancelled the appointment for delivery and are refusing to deliver the vehicle as agreed. The reason provided is that they are unable to verify the funds. Carvana has made no attempt to verify the funds with XXXX and the check has already been received with signature confirmation of delivery. The customer service department is also threatening to cancel my purchase as a result of their error. 

I have attempted to resolve this issue by phone with your customer service department but they simply hung up the phone and refused to speak with me. No reason was provided for this action. I reached out to your customer service representatives using the chat feature and they are refusing to make any attempt to verify the funds. The representative stated that I would need to place an order for a new purchase even though your organization has already received the payment for the existing order. They are also refusing to escalate the issue any further. 

Attached to this email is a detailed copy of the complaint and the XXXX  proof of delivery. I am also including a copy of the payment information from XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLIANT CREDIT UNION (IL)

I paid off my mortgage on the XX/XX/XXXX. Despite several contacts, Alliant Credit Union nor their mortgage partner has completed the release of lien on my property. This is despite numerous calls, emails requesting this. They have disregarded my requests they have pointed the finger at the other, they have lied directly to me several times. Today is XX/XX/XXXX. It's been four months and there is nothing provided on property deed nor on the XXXX County Recorder 's website. We received an insulting, unsigned letter from Alliant which was a form letter from their Customer Service department. 
I paid them what II borrowed. I paid as required and then some. They want to keep my property?
Consumer complaint received 2019-04-08
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CURO Intermediate Holdings (MO)

I did an online loan back in XXXX with speedy cash for {$640.00}. However financial issues came about and i couldnt make payments so the loan was sent to a collection agency called XXXX XXXX XXXX XXXX located in XXXX KS. I contacted them back in XX/XX/XXXX with a {$400.00} offer to settle this debt same day right then and there on the phone. The representative was nasty and rude and would not take me up on my offer. He constantly stated i have to pay 30 % of the total loan when i constantly assured him i have {$400.00} to settle this debt today so i could be done with the calls and reporting to my credit reports. This account is in collections and is stopping me from buying a home. After asking to speak with management more than once the representative tried to pose as If he was the manager. My fianc and I repeatedly stated we have {$400.00} right now to settle the debt and he negatively refused and claimed that i agreed to pay almost {$880.00} to settle the debt which i never did! I constantly stated {$400.00} which the calls Im sure are recorded so you will hear that. The interest is now up to {$1200.00} on the collection account. I should not be recieving any calls when i already tried to settle this debt for {$400.00}. This company does not want to work with its customers trying to correct their mistakes when they have the chance too
Consumer complaint received 2022-02-03
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: EQUIFAX, INC. (CO)

I am the victim of identity theft as of XX/XX/2022An existing credit card was hacked, and then XXXX credit cards were approved ( XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ) that I did not request. I filed a dispute with Equifax on XX/XX/22XXXX, requesting these inquiries be deemed fraud and removed from my credit file. Both times Equifax resolved the disputes as no fraud found. I want these inquiries removed from my account as they were fraudulent credit card applications. 
Note that I placed fraud alerts and security freezes on my credit file with all three credit bureaus on XX/XX/22.
The Equifax dispute claim number is : XXXX
Consumer complaint received 2020-05-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC (CA)

In XX/XX/2015, I purchased a XXXX XXXX from XXXX XXXX XXXX and it was financed by Westlake Financial. Two weeks after the purchase I was contacted and told that I needed to come back to the dealership and resign some paperwork. I was told that all the information was the same. I signed the paperwork and left. A few weeks later I received a bunch of calls from services looking to sell me Gap insurance. I was confused because when I bought the car I purchased Gap Insurance and told the salesmen that Gap insurance was the most important part of the deal because I had an issue years ago where a car of mine was totaled and I didnt have Gap insurance. After receiving all these calls, I called the dealership and asked if Gap is insurance was on my contract and it wasnt! The salesmen fraudulently took it off the original contract and had me sign a new contract without it. Along with the excessive interest I was charged, I was completely taken advantage of. Since then, the dealership was sued by another client and I received a settlement in the mail of a XXXX  XXXX dollars. The vehicle was eventually repossessed after 4 years due to not being able to afford the excessive payments.