davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-17
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. (GA)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : FDCPA Section 807 Violation Misleading False Reporting XX/XX/XXXX Account Number : XXXX Failure to perform an investigation per fcra regulation FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Failure to perform an investigation per fcra regulation
Consumer complaint received 2021-04-28
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. (CA)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

My my credit has gone up over 90 points and from a XXXX to a XXXX and I still can't receive a loan I still have the same problems and also they're still the credit reporting agencies are still making it hard for me to get access to my credit file there's something going on with my credit file you have made all these loan companies essential hard for me to get a loan or any kind of assistance. One place says I have fair credit the other says it's poor
Consumer complaint received 2022-09-12
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. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Experian and XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} and XXXX/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.
Consumer complaint received 2022-10-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION (IN)

I received a credit alert on Sat XXXX that an account application was submitted with my information with Navy FCU. 
I did not submit that application. I called them that day and was told the application was flagged and stopped. 
A month later on Mon XXXX I received an account statement saying that a checking and a savings account were opened in my name at a minimum. 
I called Navy FCU a XXXX time and was only told they were investigating. But accounts are still open in my name and they will not close them.
Consumer complaint received 2021-07-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

My wife and I refinanced with NewRez mortgage company back in XXXX but had an excess amount of {$5000.00} in our escrow account. Our previous mortgage company transferred the remaining escrow amount in our escrow account to NewRez instead of refunding the amount back to us. Once we discovered the error we contacted Newrez about the problem. Instead we were told that in XXXX that California escrow analysis is done in XXXX and what ever exceeded XXXX will refunded. Then we called the company back in XXXX just to be told that they changed the escrow analysis to the end of XXXX. The last time we called we were told that they did an analysis in XXXX and only do them once a year. It didn't make sense because the repeatedly told us the state of California escrow analysis are done in XXXX timeframe by law. Also if an analysis was done in XXXX why didn't they tell us when we called about the error our previous refinance company made when they transferred our escrow account to their company. NewRez just repeatedly gave us excuses on why they couldn't do the analysis to refund us the overage on our escrow account. They would never let us talk to anyone in escrow department about our problem. There is approximately {$10000.00} in the escrow account and they claim they did an escrow analysis in XXXX but we refinance the loan in XXXX. We have gone through at least 5 people including supervision with all different excuses. We just want our escrow refund due to us from this company instead of running us around in circles.
Consumer complaint received 2023-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

I received a letter from my ex husband on XX/XX/XXXX, but the letter was dated XX/XX/XXXX from a company name Jefferson Capital Ststems LLC stating they represented another company by the name of XXXX XXXX Jefferson Capital Systems LLC is attempting to collect {$590.00} for XXXX XXXX . I wrote this company Jefferson Capital Systems LLC in XXXX XXXX, MN on XX/XX/XXXX disputing the alleged debt with XXXX In the letter Jefferson Capital Systems LLC states that I had until XX/XX/XXXX to dispute the alleged debt but on XX/XX/XXXX and XX/XX/XXXX I received a notification from XXXX that a new account was added to my XXXX and XXXX credit report from Jefferson Capital Systems LLC. Jefferson Capital Systems LLC has practice unethical unfair debt practices and misrepresented what their XX/XX/XXXX letter stated that I had until XX/XX/XXXX to contact their office in writing which I did but this company jumped the XXXX and still reported this alleged debt to the credit reporting agencies prior to the deadline they set. I first heard of XXXX XXXX back in XXXX when I saw some charges on my account and I disputed them with my bank and the funds were reversed. I stated in XXXX and XXXX to another company called XXXX XXXX and to the actual company XXXX this is not my debt and I do not owe this debt. In XXXX and XXXX XXXX actually placed inaccurate information to my credit report but back then the amount was {$1200.00} and it was disputed then and retracted both times. But now again in XXXX another company is alleging again that I owe XXXX XXXX but for a lesser amount. For years, I have been battling with random hacking of my email accounts, lost or stolen credit card & debit cards. I closed my bank account back then because I felt they could not keep my money safe and it was too much happening. I am now divorced and longer go by XXXX as I have indicated in my letter to Jefferson Capital Systems LLC. Again, I am disputing this alleged debt, this is not my debt and I do not owe this debt. I am requesting that Jefferson Capital Systems LLC remove any negative information from my credit report immediately because clearly Jefferson Capital Systems LLC is continuing to practice unfair debt collection as they did in 2008 FTC Matter/File Number 062-3212 ( Federal Trade Commission v. Compu Credit Corporation and Jefferson Capital Systems , LLC ) . I have included all my documentation of all the hacking and fraud I have faced since XXXX. Even if I owed this debt the statue of limitations has ran in Texas and California where the original debtor is located per the Consumer Financial Protection Bureau. Also, as my right, I have no desire to work with Jefferson Capital Systems LLC and I dispute these claims.
Consumer complaint received 2022-09-26
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (VA)

In October 0f 2021, I received a phone call from Synchony saying that my Dick 's Sporting Goods credit card was past due, I had not received the paper statement. I called and asked if my statements may have been set to paper only, they assured me that it was not. I paid a late fee and paid the card off, as I always do. I didn't use the card again until XX/XX/22. Again, I was notified my acct was past due, I immediately paid the bill in full, along with another {$29.00} late fee. This time I decided the service is so poor that I would close the account rather than deal with this again. I called and closed the account, the initial person I talked to said she was transfer me to someone that could assist me, I was transferred to the automated system. The fact that they assured me that my account was not set to paperless was a complete lie. They have profited off their practices twice, in addition I was considered past due twice when I never pay my bills late.
Consumer complaint received 2022-04-06
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions 15 U.S.C 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 Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Mortgage Balance on XX/XX/XXXX Loan Amount - {$160000.00} Payment Info Status Paid, was past due 30 days Status date XX/XX/XXXX Past due amount - Original loan amount {$160000.00} Monthly payment - Late payments XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - - - - - - - - XXXX - - - - - - XXXX On Time 30 Days Late NA No Applicable Payment History - Data Unavailable Additional info XXXX XXXX Account XXXX XXXX XXXX sold - Original creditor - Comments- Your statements- Contact XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Is everything correct?
Consumer complaint received 2019-09-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX @ XXXX I received a call from ( XXXX ) XXXX. They stated that they have tried to deliver papers to me because I'm being sue by a XXXX XXXX XXXX XXXX that works with Wells Fargo. They said if I wanted more information on the care I would have to call them at XXXX and gave me a case number ( # XXXX ). I called the number the lady asked for the last four of my social, I told her I would not give her that information because I didn't know who she was. she then gave me the last four of my social and had the numbers correct. Then she told me I had an account with Wells Fargo back in XX/XX/XXXX-XX/XX/XXXX and my account overdraft the amount was {$1100.00}. I told her I have never had an account like that with Wells Fargo I actually have a home mortgage and credit card with them they that I open in XX/XX/XXXX ... this is scary to me to find out that an account may have been open under my name back in XX/XX/XXXX-XX/XX/XXXX and now I'm finding out 10 years later.
Consumer complaint received 2023-02-02
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. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXX**** Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX GA XX/XX/XXXX.
Consumer complaint received 2023-08-10
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. (GA)

XXXX is reporting a debt that XXXX removed a long time ago because creditor was not able to validate debt in the timeframe given. 

The FCRA states debt must be removed if not validated and XXXX did just that. 

XXXX is still reporting this collection account on my credit report from the company. 

XXXXXXXX XXXX balance of {$4700.00} This is a violation of the Fair Credit Reporting Act as XXXX must Follow Suit and remove this debt.
Consumer complaint received 2021-02-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I would like my Mortgage Services SPS to consider giving me extension another 180 Days of forbearance. I am financially not recovered as Direct impact of XXXX. 
I received a letter from SPS That I shall resume my payment starting XX/XX/2021. 
The balloon payment is due XX/XX/2021.
Consumer complaint received 2021-02-02
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. (NY)

Under section 609 of the FCRA, I am entitled to know how the information on my credit report is verified. When I previously disputed this account on my report, it came back verified. I sent a validation of letter to the company via certified mail on XX/XX/2020 and they still haven't responded. So my question is how was this information verified? There was no way for you to have verified this debt because I haven't stated that it was mine. Under 15 USC 1602 ( g ), a creditor refers to natural person. A corporation can not be a natural person therefore they can be a creditor so they are unable to verify any account or debt. I am the original creditor and this account on my report is not validated nor verifiable by me. Remove it immediately from my report. May I remind you that stating that this account is verified without the proper investigation is violation under federal law and is adverse action taken against the consumer. This is a serious crime punishable by litigation and subject to monetary compensation.
Consumer complaint received 2023-02-02
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. (CA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information and items which do not belong to me. Please block/remove these items : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$280.00} XXXX ( Original Creditor XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$410.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3800.00}
Consumer complaint received 2022-07-09
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: EQUIFAX, INC. (VA)

I first challenged the public record on my credit report on XX/XX/XXXX with the credit Bureaus because I was unsure of this information : Us Bankruptcy Court XXXX XXXXXXXX Reference number XXXX - XXXX XXXX Dismissed. I spoke with a Bankruptcy Lawyer in XXXX  but NEVER filed any paperwork or did anything else, I was just inquiring. I saw this information on my report and challenged with the Credit Bureaus on XX/XX/XXXX. They responded back that it was accurate which I was confused about, so I researched the FCRA and it stated I needed to reach out to the original creditor, the Bankruptcy court. I have attached the information that they responded to me with in which they DO NOT send information to the credit bureaus. This is perplexing because pursuant to the section 611, paragraph 5, subsection A, of the FCRA, they are supposed to delete this information if its not verifiable, which I've proven. I I'm requesting you to remove this item, as required, by law, due to lack of verification. You, as a credit bureau, willing provided false information, which is illegal under federal law. 

I have sent the corresponding paperwork to the Credit Bureaus again on XX/XX/XXXX and XX/XX/XXXX but to no avail which is what brought me to this process. I request this information be deleted because I have proved it is inaccurate an non verifiable
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-07-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XXXX XXXX XXXX bought my debt from Capital One in XXXX. The total balance owed to Capital One was XXXX as of XX/XX/XXXX. That was quoted to me by email from Capital One. I then made 7 payments after that email for XXXX each. Covid happened and I was the sole provider so I was unable to pay Capital One after XX/XX/XXXX. I only owed Capital One {$560.00} when I stopped paying them. XXXX is now attempting to collect {$2200.00} from me. I contacted XXXX and informed them the balance is incorrect. This is a violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2021-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

See ALL Previous Complaints under XXXX XXXX XXXX. Capital One offers a cash back credit card, " XXXX XXXX '' My elderly XXXX was owed in excess of {$240.00} back in XXXX of 2020, when her credit card expired. Capital One customer service, said they would send a check minus any outstanding balances. There were XXXX recurring charges that we had stopped XXXX and XXXX XXXX in XX/XX/2020, and charges were reversed. Both companies stopped their recurring payments. 
So almost a YEAR LATER Capital One has not provided a " cash back check '', seems to be false advertising, and continue to assess late fees and interest on a NON EXISTING ACCOUNT. Capital One OWES MONEY TO US.
Consumer complaint received 2021-02-20
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: CITIBANK, N.A. (FL)

I have XXXX and was informed of several attempts to open bank accounts/credit cards and through a three way call with XXXX and perspective institutions we were able to close all accounts. Yea I'm so happy! Then I pull my credit report and find several inquires/medical collection most ones we have already closed exception of two medical collections that was never mine in the first place. I called XXXX gave then my Security Pin for my freeze account and was asked several questions that i passed except for what was the last date you notified XXXX month/date/year. Now I never thought in a million years that when I placed a freeze that I would also have to document the date/time/year of my exchange. Now I am caught in a position that the only way to remove something off my credit report is to contact your organization. I explained to the person at XXXX  that I answered all question even giving a round about year of last conversation. Also, stated I find it funny how easy it is to create fraud but can not take information off of credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CBNA/XXXX XXXX XXXX Account ending in XXXX and XXXX XXXXXXXX XXXX XXXXXXXX reported XXXX XXXX Collections {$1900.00} ( Not My Account ) XXXXl XX/XX/XXXX reported XX/XX/XXXX Collections {$210.00} ( Not My Account ) Thank you
Consumer complaint received 2022-12-08
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)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXXXX/XX/XXXX