davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-24
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. (FL)

I contacted XXXX XXXX  to dispute their claim that I owe a debt of {$310.00}. The phone numbers provided on the credit report XXXX and XXXX do not connect to the XXXX, but it connects to a company called XXXX XXXX. Several Managers and Customer Representatives have stated on multiple calls they do not have an account pertaining to me and there is nothing they can do to assist me with removing the debt or resolving the debt. I have not been provided proof of the debt from the XXXX, and they have not responded to letters, and the phone numbers do not connect you with the company. I disputed the validity and accuracy of the debt with Experian and they reported back that the company verified with them the debt is valid. However, Experian 's representative stated to me on a recorded phone call The Bureaus is not required to provide one shred of evidence that the debt is accurate, they did a self investigation and reported back to Experian their findings. I asked how is it possible to report a debt on my report without 1 piece of evidence? I have not been able to get in contact with anyone from this company, and yet, Experian refused to removed the debt.
Consumer complaint received 2022-09-26
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)

To whom it may concern. The following addresses need to be removed from my credit report I do not live at the following locations. XXXX XXXX XXXX XXXX, XXXX XXXX, FL. XXXX, XXXX XXXX XXXX XXXX, XXXX, FL. XXXX, XXXX XXXX XXXX XXXX, XXXX, FL. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL. XXXX, XXXX XXXX XXXX PL, XXXX, XXXX, FL. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL. XXXX.
Consumer complaint received 2022-09-26
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: LEXISNEXIS (AR)

I have filed seeveral disputes to remove a bankruptcy on my credit file XXXX had this information updated but XXXX and XXXX has not removed. I have contact my lock Bankruptcy court.Lexis Nexis who verified they have not supplied an personal information to any 3rd party! I also contacted pacer the source of public record whom also informed the same I have provided and supplied proof and statements from all sources and demand that the bankruptcy be deleted fro my file immediately. public records reported on credit reports must be checked by the credit bureaus for updates every 90 days to ensure their accuracy. If the records are not checked, they should be removed from the credit report. Bankruptcy records already hold these strict requirements, which is why the changes dont impact this type of public record. According to 15 U.S.C. 1681 The Credit Reporting Agencies were NEVER given the role to furnish credit reports ; they ASSUMED the role. This is exactly why CONGRESS implemented the FAIR CREDIT REPORTING ACT.
Consumer complaint received 2021-05-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/2021 I had a ppp loan deposit sent to my capital one 360 savings account the ppp loan was approved by the sba and fountainhead the lender I tried to initiate a wire transfer of the funds out of my capital one account and my account was froze so when I contacted the capital one customer security team I was informed they had to investigate my ppp loan so I sent capital one fraud department all the paperwork to prove it was not obtained fraudulent on XX/XX/XXXX my funds were still unavailable for with draw and capital one accepted the 2nd draw payment in my account and determined that I was not eligible for ppp funds my loan was not with capital one and they have no legal grounds to make me ineligible for a loan that was approved and funded by someone else I have been speaking with the capital one fraud department since XX/XX/XXXX trying to get access to my money so I can stay in compliance with the rules set forth by the government for ppp funds
Consumer complaint received 2021-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NC)

Called Synchrony and reported fraudulent charges, two charges on XX/XX/09 one for {$38.00} and one for {$94.00}. Was told they would be handled, the smaller one was removed and the larger one was not. Had numerous conversations with the fraud department with very little response. We pay are bill in full every month, we paid everything except the two charges. Now we are being hit with interest charges and they act like they no nothing about the fraudulent charges. We have cancelled the card due to the poor service.
Consumer complaint received 2022-10-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc. (TX)

I am behind on my mortgage so I applied for assistance on XXXX XXXX 2022. On XX/XX/2022 I was approved, and my mortgage company ( Cornerstone HomeLending ) received payments from the XXXX  XXXX XXXX ( State Program ) to bring my mortgage account current. Cornerstone homelending returned the payments to the state on XXXX XXXX 2022. So now my account is in the delinquent status and close to foreclosure. When I called Cornerstone and requested to speak to the manager over the mitigation dept. I was told no one was available, and that they would look into it. I have reasons to believe my mortgage company returned payment so that I can go into foreclosure, and they gain profits by selling my home.
Consumer complaint received 2018-12-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion, Credit Reporting Agency has made it difficult for a consumer to dispute erroneous information on a credit file. I am requesting a reasonable investigation regarding the following information being reported in my credit report/file : ************************TransUnion-Credit Report FILE NUMBER # XXXX XXXX XXXX XXXX XXXX -- -- XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX ( XXXX ) XXXX Acct # XXXX -- Amount Disputed -- XXXX I have no recollection of this alleged acct and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA. 

2- XXXX/XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX XXXX and XXXX/XXXX  seem to be the same erroneous account being reported TWICE. 

I have no recollection of this alleged acct and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA. 

3- XXXX XXXX COMPANY # XXXX XXXX XXXX XXXX   XXXX XXXX, FL XXXX ( XXXX ) XXXX Placed for collection : XX/XX/2016 XXXX ( Cable/Cellular ) Past Due : > $ XXXX I have no recollection of this alleged acct and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA. 

*******************XXXX  CREDIT REPORTING AGENCY I AM DISPUTING THE SAME ( 3 ) ERRONEOUS INFORMATION/ACCOUNTS AS BEING REPORTED BY TRANSUNION AND I AM ATTACHING A COPY OF A RECENT CREDIT FILE WITH THE RELEVANT INFORMATION THAT IS BEING DISPUTED. 

1- XXXX XXXX, XXXX/XXXX, AND XXXX XXXX XXXX. THAT XXXX IS REPORTING IN MY CREDIT FILE. 
I have no recollection of this alleged accts and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA.

**********************************XXXX CREDIT REPORTING AGENCY I misplaced the recent credit file and the ( 3 ) same erroneous accounts also appear in my XXXX credit file. If XXXX can not or chooses not to conduct an investigation of the same ( 3 )  accounts that are being reported by XXXX and TransUnion, then I request for a copy of my credit file be sent by email to XXXX or by regular USPS to my current mailing address. I attached a copy of my ID and a recent utility bill with the address where I been living for the last ( 4 ) years.
Consumer complaint received 2021-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2021 I received a letter from Capital One indicating it was taking debt collection on an old account of mine BACK FROM " Credit Services. '' But, I had already made my FINAL payment on that account with " Credit Services '' on XX/XX/2021. When I called to inquire on XX/XX/2021 a representative from Capital One named XXXX, ID # XXXX, indicated I still owed over {$400.00}. That is false!!
Consumer complaint received 2021-05-20
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. (VA)

On XX/XX/2021 I sent a letter requesting verification of alleged collections accounts that were being reported on my consumer reports and was being reported by Equifax, XXXX, and XXXX. I sent another request for debt verification and investigation on XX/XX/2021 and again on XX/XX/2021. I have NEVER received a response from either company informing me of the outcome of their investigations. 

I am now requesting a DEMAND TO COMPLY AND DELETE ALL ACCOUNTS AND INACCURATE INFORMATION LISTED ON THE ATTACHED PDF.
Consumer complaint received 2021-05-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2023-03-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (LA)

I am request for to validate this alleged debt to clarify everything. I am not aware of this account with you so please send me validation and send it as a response to this complaint for CFPB to see it aside from sending it to my address.
Consumer complaint received 2023-03-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: GFS II, LLC (MO)

XX/XX/XXXX XXXX I had purchased a XXXX XXXX  XXXX they picked the car out for me first of all. I purchased their insurance witch had a 7 day warranty on it. So the car was driving fine for a few days then the 5th day I had it my motor blew out while I was on the highway with my brother my childs mother and child in the car so I got it towed to the mechanic I paid witch shouldve been paid for through the company from the warranty insurance I purchased they send the car to a different mechanic which was ( XXXX XXXX ) so ( Right away ) where I got the car from told me they had order another part for the XXXX so they put me in loaner car which I had wrecked no serious damages Months are going by now I called ( XXXX XXXX ) and they told me they couldnt fix it. I called ( Right away ) to let them know .so they sent the car to XXXX XXXX in XXXX XXXX XXXX XXXX XXXX. XXXX told me that they wouldnt fix it because the car had been up there before for the engine in XX/XX/XXXX and the warranty didnt cover the expense for the engine and the car just been sitting in the parking lot without getting worked on for months with the keys locked in it. So ( Right Away ) send my car to a different XXXX XXXX  dealership in saint XXXX Mo. I was behind on my payments cause now I had to pay to get to work with XXXX which costed me XXXX a week so they took the car from the mechanic. They threatened to take me to court after I was waiting for 4 months to get my car fixed. Gate way financial had reported late fees with a balance In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 " It also states a consumer reporting agency can not refurnish an account without my written instructions ''.

Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Consumer complaint received 2021-05-20
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (WA)

I wanted to refinance my home due to the covid situation and consolidate debt from medical bills and other. I started the loan in XXXX and was very excited that Navy Fed was going to help me more since I'm a vet and 50 % XXXX. I started the loan got everything done the home was appraised for a good value then waited. In XXXX I tried to contact and had much difficulty getting a response. Finally they said it will be done by mid XXXX. At that time XXXXXXXX XXXX  offered me a forbearance option which I decided to take just to make things easier over the holidays. Well in XXXX they changed my loan person because he was taking to long promised to expedite this loan. This went to under writing multiple times and they have pulled new credit checks on my credit and continued to say there was issues because of the forbearance. I offered to just pay it off so we could move forward but they said don't worry it will be done in a few days. Now they say my appraisal has expired and they have to order a new one which has cause me much stress and XXXX XXXX wants to know my plan for paying them. Is this normal for Navy Fed? I have many emails but don't want to upload them unless you feel something can be changed.
Consumer complaint received 2022-09-26
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. (GA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX  : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions, 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, LA XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. Validate Inaccurate/Reported Late payment XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to paid as agreed 9. Validate Inaccurate/Reported Late payment XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to paid as agreed 10. Validate Inaccurate/Reported Late payment XXXX  XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to paid as agreed 11. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to paid as agreed 12. Identity Theft XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately. 
13. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX
Consumer complaint received 2021-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

I looked at my credit karma and I see where Equifax has taken XXXX points from me all because a collection came off my credit report and my credit card balance increased by {$31.00}. This is just wrong. My score should have went up not down and surely not XXXX points. Equifax is pushing me for getting my credit on the right track,
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

Since XXXX of XXXX, Ive made purchases to obtain my credit score from XXXX at a total of {$43.00} to continuously get an error not allowing my to have my scores pulled from all 3 bureaus. Ive called multiple times with extensive lengths of conversations and no resolve. 2 out of 3 reports are showing however 1 report continues to state and error. Ive been referred to the direct bureau ( Equifax ) however they state they cant find an issue and redirect me back to myfico who continues to send me in a round about : XX/XX/XXXX : {$43.00} XX/XX/XXXX : {$43.00} XX/XX/XXXX : {$43.00} XX/XX/XXXX : {$43.00}
Consumer complaint received 2022-09-26
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: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. can you help with it?
Consumer complaint received 2021-05-20
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. (TX)

Equifax and XXXX  should not be reporting that I am ( 120 ) days late on the USDOE/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.
Consumer complaint received 2022-07-22
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: Experian Information Solutions Inc. (CA)

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

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without a written consent.