davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Fair Credit Reporting Act Section 611 ( a ) 6 & 7 you are to provide me with your method of verification.

I demand proof that you went through all the proper and logical steps that would have been necessary to verify/validate or refute my dispute. 

Part 6 & 7 : Section 611. Procedure 1 ) The person you spoke with at the bankruptcy court 2 ) Provided me a complete copy of all the information that was transmitted to the data furnishers as part of the investigation as is required by FCRA : 3 ) Who did you speak with? 
4 ) What was the date of your inquiry?

5 ) How long was the conversation?

6 ) What was the position of the individual you spoke with?

7 ) What number did you call?

8 ) What is the name of your employee or their I.D . number of the person that spoke with directly?

9 ) What number did your employee call?

10 ) What is the position of your employee that spoke to the at the Bankruptcy court? 

Equifax did not follow the law, the Fair Credit Reporting Act section Under the Fair Credit Reporting Act Section 611 ( a ) 6 & 7 you are to provide me with your method of verification, I demand proof that you went through as listed above to include all the proper and logical steps that would have been necessary to verify/validate or refute my dispute. It not delete the Bankruptcy from my credit report.
Consumer complaint received 2022-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (OR)

XXXX, XXXX, and the XXXX of XXXX numerous hrs and days I have spent calling Flagstar trying to get the information to pay off my forbearance. I had no idea by getting a forbearance there would be a lien placed on my home. I had my banker on the phone also and no one could find the loan, but there is a lien on my home until it's paid. Apparently, this has happened before with my banker who also banked with Flagstar. So, I know this can be handled correctly I would like to know what can Flagstar do to help me fix this problem. Today the 22nd I'm being told I can't pay the forbearance off to take the lien off until the whole principle of the loan is paid. As I type this, the time on my phone for holding is now at 21 minutes.
Consumer complaint received 2023-06-20
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: WSFS FINANCIAL CORPORATION (LA)

Hello, My name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. Im trying to get a new home and these items wheny get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade Commission and I also have enclosed copies of the Federal Trade Commission Identity Theft affidavit Please delete the items as soon as possible. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability
Consumer complaint received 2022-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I submitted a complaint last XX/XX/XXXX to delete : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX  XXXX, XXXX XXXX ; XXXX XXXX Balance : {$180.00} ; XXXX XXXX Date of inquiry : XX/XX/XXXX, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to delete these items not later than 4 business days after the XX/XX/XXXX letter. Ive already included this in my previous Complaint # XXXX and I am including these items again.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (NM)

On XX/XX/2022, I received an email from Experian to log into my account as a vehicle had been added to my account. 
Upon login in, I was asked to confirm vehicle details for two vehicles I had never owned. 

I contacted customer service via phone to understand what was happening as I feared my info might have been compromised. I was informed Experian was offering a service that linked vehicles to Experian Accounts. 

The agent could not explain why the vehicles were linked to my account, so the issue escalated. 

I received an email on XX/XX/XXXX explaining the same things I had already been told and that their system sometime is not 100 % accurate. 
Since I had recently moved, I inquired about which address their system had used to link those vehicles to my account. To this day, my emails ( four ) have been left unanswered and I still don't know how my information are used and stored.
Consumer complaint received 2021-05-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MA)

I applied to Amerisave in early XXXX as regards refinancing two properties.

I was convinced that the process would be timely and that at all points there would be a loan officer who would help the process along. 
I specifically requested to know if they thought I had a good chance of success with the loan application and was assured I did. 
I think I did too, but did not want to waste my time, energy or money. 
I have five rentals all rented out 100 % of the time XXXX. I have a restaurant that is OPEN and doing business at 80 % of sales XX/XX/XXXX compared toXX/XX/XXXX. 
The business has received that 20 % income shortfall in grants - thus no actual loss year on year. 
Not to mention my personal income has increased, due to staff not returning I have worked those shifts and received $ XXXX in tips/wages. 
Everything is verifiable with W2, audited and submitted Tax returns etc.Everything was submitted ti Amerisave.

The process became unprofessional with repeat requests for the same documents. Multiple requests for profit and loss reports ( three, each time costing {$600.00} ), and of course two appraisals at {$500.00} each. I could not speak to a person and when I finally did they apologized that they had not assigned both mortgage applications to the same agent. 

I have received no explanation as to why I have been denied. 
I was not requesting money out from the current mortgages. This was a pure re-fi. 

Had I been told the parameters for a successful application from the start, which I did request, then I would have been able to make a decision as to go forward or not. 

I feel duped and cajoled into making an ultimately unsuccessful application which has cost me money, time and sapped my energy.
Consumer complaint received 2021-05-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Credit Control (OK)

I have sent 3 times certified with return receipt in total of for a debt that is still on my credit over year that is not mine. I have asked copy of my signed contract or any signed agreement between me and the supposed debt obligation. They have only harassed my phone during regular hours and after hours of XXXX. I have received calls up to XXXX XXXX. They have made multiple duplicate negative entries on all 3 of my credit reports. I have reached out also by phone with nothing but disgust and being lied to about to the legal protocols of credit, debt collection and what I am supposed to pay them. I have never worked with a company that shows such a disregard for people or the law. When I bring up the FDCPA they respond with try to enforce it.
Consumer complaint received 2021-05-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants Credit Corporation (WA)

XXXX XXXX I checked my XXXX XXXX account when I noticed a 16 point drop, said I had a negative inquiry, I have Immaculate credit no Collections and I pay my bills on time, I was very surprised, their was a radiology bill in the derogatory marks section of my XXXX report. I immediately called XXXX  to find out more information about it I was told that it posted on XX/XX/XXXX it did not become available to me and till XX/XX/XXXX, I filed a dispute and called XXXX XXXX to find out why I had a bill and why I was not notified, apparently they sent it to the wrong insurance company, had my address as the insurance company it was for XXXX dollars from XXXX, I asked the quickest way to resolve this that I had insurance and they should have paid it, they said the quickest way to resolve was to pay the bill but I couldn't pay them I had to pay Merchant collection agency in XXXX Washington I immediately got off the phone and called Merchants collection agency the lady that I spoke to told me that the good news was that as long as I paid the now {$46.00} collection day that it would be reported and taken off so I went ahead and immediately paid the {$46.00} and that was that XX/XX/XXXX I got on my XXXX XXXX account first thing in the morning to check and noticed that the collection was still showing unpaid and their, I immediately called XXXX they said it was still showing unpaid, I called Merchant credit agency and told them I had paid bill and what I was told they basically told me that they will report it when they want and that they have thousands of people with debt and their not going to report one debt paid, im very frustrated, this was a bill that was to be paid by my insurance, but to resolve the issue it only being XXXX dollars I paid it, I want the bill showed as paid and to be removed, I had excellent credit, now it shows good, I dont want it to catch on to my XXXX and XXXX as it has not yet happened, this does not sound right to me, if a bill is paid it should be reported as paid
Consumer complaint received 2021-05-11
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Premier Mortgage, LLC (CA)

XXXX from Premier Mortgage called twice today, within 20 minutes. Each time he identified himself as 'calling from the VA Department '. Each time I asked to be removed from their call lists, informed them I was on the FTC Do Not Call Registry, and that there are existing/past CFPB complaints against their company. XXXX said there was nothing he could do to stop calling and that in order to help me, I had to answer two questions because I am a veteran.
Consumer complaint received 2023-04-03
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; Medical XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-01-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Payfare International Inc. (PA)

I have been refunded by XXXX on XXXX transactions. # XXXX : {$18.00} # XXXX. XXXX # XXXX. XXXX # XXXX. XXXX. 
XXXX has already opened a case and closed it because they confirmed the refund was returned on their end and completed I have the XXXX transaction ids they have provided : ID : XXXX ID : XXXX ID : XXXX ID : XXXX I have contacted pay fare from my XXXX XXXX XXXX  and have not gotten any help or they do not know how to look these transaction IDs up and my money is lost in the air since XX/XX/2022. 

Last representative I talked to on XXXX XXXX at XXXX XXXX even hanged up on me as I was asking for more phone numbers to reach the bank.
Consumer complaint received 2023-06-30
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. (FL)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Portfolio Services, Inc. (CT)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, Texas XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the XXXX Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX XXXX XXXX XXXXXXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2021-05-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Disputed items on XXXX and still no reponse from the credit agencies. Listed below are the accounts I disputed. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  inquiry ARS ( XXXX ) collection XXXX | XX/XX/XXXX inquiry
Consumer complaint received 2024-11-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Subject : Formal Complaint Regarding Misinformation by XXXX XXXX, Bank of America This report outlines a case of misinformation provided by XXXX XXXX, the Relationship XXXX at the Bank of America XXXX located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX : On XX/XX/XXXX, I visited the branch to open both a checking account and a credit card. My primary motivation for opening the credit card was to obtain the {$XXXX} reward advertised as a promotion. The terms stated that customers would receive this reward upon spending {$XXXX} within XXXX  days ( see link at the end for reference ). However, during my interaction with XXXX XXXX, critical misinformation occurred. 

XXXX XXXX and XXXX : Before visiting the branch, I researched Bank of America 's credit card options. I understood that individuals with no XXXX XXXX might not qualify for unsecured credit cards and that building credit often involves starting with a secured credit card. I had decided I would proceed with a secured credit card only if the {$XXXX} reward was still applicable. 

When I asked XXXX to confirm whether I would qualify for the {$XXXX} bonus reward with a secured credit card, he explicitly assured me that the reward applied to secured credit cards as well. Based on this assurance, I deposited some amount money as collateral and opened the secured credit card. 

XXXX and XXXX of XXXX : Approximately XXXX month later, during a visit to the branch to open a checking account for my wife, I asked XXXX why XXXX XXXX received the bonus, despite having spent {$XXXX}. He replied that the reward would be credited by the end of the month. 

In early XXXX, I learned from a friend that they had received their {$XXXX} bonus immediately after meeting the spending requirement. XXXX, I contacted Bank of America customer service, who informed me that secured credit cards are not eligible for the {$XXXX} bonus reward. On XX/XX/XXXX, I called XXXX to clarify, and he confirmed his error after consulting with his team. 

Escalation and Request for XXXX : I discussed this issue with the branch XXXX, who maintained that the bonus could not be granted due to the card type. However, this situation is entirely the result of misinformation provided by the banker side. 

Had I been correctly informed, I would not have opened the secured credit card. 



link of {$XXXX} cash reward 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

This is not the first time, that Equifax has ignored my complaints regarding the XXXX item that appears on my report. On XX/XX/22 citing the Fair Debt Collection Practices Act ( FDCPA ) I requested validation of the debt and received nothing from Equifax to prove the debt. I then filed a complaint to have the items removed on XX/XX/22 seeing as validation had not been provided in the timeframe allotted and again on XX/XX/22 and finally on XX/XX/22 I sent an admission by silence letter ; indicating they failed to validate the debt FDCPA violation ; they continue to report a disputed debt to CRA which is an FCRA violation. Admission by silence meant they had a legal duty to defend their position and failed to do so ; thereby damaging my character. I am requesting that Equifax comply with the law ; since they can not validate the debt they delete it.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was put in a payment plan since XX/XX/2023 with capital one. Every XXXX  of the month I make a payment. Accounting to the agent they would not report late fees. My credit report shows I have late fees. I spoke to an agent today about this and they didnt help me to solve this problem. I have a letter them them saying I have a payment plan and I could log in that I been making payment since XXXX every XXXX if the month with no late fee showing. But my credit was run and it showed I have late payments.