davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-09-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WEICHERT FINANCIAL SERVICES (NJ)

I came out of 3 months FORBEARANCE and wanted to refi MORTAGE at XXXX to XXXX with the amount I owned on my condo with Weichert Financial. They sent me letters that stated that they would help. Went thru channels to refi, I have excellent credit no issues they claimed the same thing. But they also stated I must pay All the arrears amount of both houses I own, one is a condo and the other is 2 family house. I took at a loan to pay ALL my Debt. And payed everything thru my bank XXXX XXXX. Continue the process with no issues. I was now current and out of FORBEARANCE. They also charged me {$500.00}. to get a Appraisal witch I paid. My Weichert Financial processor told me it would be a 3 weeks turn around and it was in underwriting for final approval! After numerous calls and emails Ive notice I had to XX/XX/20. I finally Received a email advising me my debt ratio was too high!! And wouldnt process the refi and denied me at the final moment! They had what I made, saving, XXXX and investment amounts and rental amounts. Had ample!! This is total wrong and unjust! It appears it was all a scam to get the money I owe them with no resolution or help Ive been a good paying customer for 10 years!! I feel they should of help they didnt!!
Consumer complaint received 2023-01-28
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. (CO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-09-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ZWICKER & ASSOCIATES (VA)

In response to subject XXXX  delivered to XXXX XXXX XXXX ( XXXX  ) on XX/XX/XXXX regarding payment of {$11000.00} on XXXX XXXX Credit Card Account ending in XXXX was paid XX/XX/XXXX XXXX as required. XXXX XXXX payment reference number XXXX. For payment reconciliation purposes see XXXX XXXX XXXX Account Number XXXX, Routing Number XXXX. XXXX has an additional account with XXXX XXXX ending in XXXX that had a balance of {$540.00} when XXXX XXXX called regarding its payment request on XX/XX/XXXX. XXXX made a payment to XXXX XXXX on the same date XX/XX/XXXX of {$11000.00} to pay the balance on both cards. 
I have attached the XXXX XXXX XXXX  Year End Statement entitled Activity for your review; the Tab entitled Transaction summary shows account ending in XXXX has an {$11000.00} over payment at years end XXXX XXXX. XXXX XXXX called XXXX XX/XX/XXXX for a payment on card ending in XXXX and then applied the payment to account ending in XXXX. XXXX also submitted payments to XXXX XXXX from its XXXX XXXX XXXX Account showing payment cleared XXXX XXXX. XXXX fulfilled its obligation to XXXX XXXX over XXXX  months ago and would like this case to end as soon as possible. Can someone please respond upon receipt?
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX  ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account credit one bank 2. Validate Account convergent outsourcing I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Consumer complaint received 2022-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (FL)

On Tuesday, XX/XX/XXXX, I called my Loan provider XXXX to speak with a representative in regards to receiving a refund based on the recently enacted Cares Act. My refund was processed, however they would not give me a clear timeframe in which the refund would be posted back to my account. I asked the representative if they could also send me a confirmation request for the {$4000.00} refund and they said that they do not have any confirmation documentation that they can send me and that I just have to wait and continuously check my account to see if the balance was updated. After feeling uneasy about the situation, I called back again on XX/XX/XXXX to confirm that my refund was being requested, and the representative confirmed the request was placed. I asked again about a timeframe for the refund, and the new representative told me 150 days - up to a year. I asked them why it would take so long as other providers I've read are processing within 4-6 weeks and even within 2 weeks, in which they could not answer. I need the balance to be reinstated and a refund as soon as possible for forgiveness eligibility. After doing research on this loan provider, I heard that they were fined for misleading consumers and even received a letter in the mail about their latest data breach, which already makes me uneasy about this loan provider. I can not stand the contradicting answers from this company anymore. They couldn't even confirm the amount of my refund. All I want is clear answers and my refund to be posted to my account please.
Consumer complaint received 2020-09-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (OH)

I have never received any notice from National Credit Systems regarding this debt. On XX/XX/2020 I sent them a request for a " VALIDATION OF DEBT '' letter ( copies attached ) and they received the item on XX/XX/2020. ( tracking info attached ) and to date have received nothing from this company. They continue to report this item on all 3 of my credit reports. Under the FDCRA while this item is being disputed it either needs to be removed or marked in Dispute.

This business currently has nearly 2627 complaints and going up, filed with the Consumer Financial Protection Bureau ( or CFPB ) and roughly 415 with the XXXX XXXX XXXX. Many complaints are about inaccurate reporting and/or lack of response to debt verification requests.
Consumer complaint received 2020-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

on XX/XX/2020 i paid {$690.00} to Portfolio Recovery Associates XXXX. I contacted them several weeks prior because i saw this account collection on my XXXX  report. I believed it to be an account I had with XXXX XXXX. When i had first called them I had brought that up and was not corrected. The account i paid for was for a XXXX card that went to collections, upon reviewing a dispute i filed through XXXX   It shows that this account in question was disputed and deleted on XX/XX/2020 - report number XXXX I paid on a debt that should not have been collected on.
Consumer complaint received 2022-04-26
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. (PA)

This complaint is in regards to unauthorized, fraudulent credit inquiries. The issue was already addressed with the particular company, and because there was no credit extended, there is nothing that they can do and that my concerns need to be taken up with the credit bureaus. The response that was provided from Equifax with regards to '' access to records '' being factual, is erroneous. The records are not facts and in fact " Fraudulent "! Their explanation gave no indication that there was an attempt to address this issue and did not provide an adequate solution for this particular situation. 

Equifax was sent drivers license, social security card, Several FTC reports, as well as instructions on removing unauthorized inquiries from my report several times. Several times the above documents were sent and are on file with Equifax. It was explained that I was a victim of Identity theft, my personal information was exposed in an " EQUIFAX " data breach as well as other data breaches and an income tax was filed without my knowledge. A XXXX police report was filed. Every time I attempt to reach someone with regards to deleting the inquiries a representative responds that its nothing that can be done because all deleted inquiries are handled in a back office and there is no contact info available for, " THE BACK OFFICE ''.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: GREENSTATE CREDIT UNION (IL)

XXXX banked with green state credit union on XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 

Ive deposited a tax refund check on XXXX XXXX XXXX, Im complaining on XX/XX/XXXX about my bank still having a hold on my check. 

Ive called every other week to see why and when will they release my funds, the only information they give me next week it will be clear the week comes and still have a hold. Or they just say it still have a hold on it we are trying to see at this point what bank takes a month and what exactly are you trying to see the check speaks for it self. So now Im filing a complaint. Im fed up with not being able to use my money because they do things when they want to Im going to also close this account because of lack of ability to use my funds when i need to!
Consumer complaint received 2021-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (FL)

I am writing today in regards to my account with JPMCB CARD account # XXXX. The reason for writing today is in regards to the late payments which is showing on my report in XXXX, XXXX and XX/XX/2020, due to Covid I was unable to make the payment in XXXX, XXXX and XX/XX/2020. As soon as I was able to, I got my payments made and caught up.
Consumer complaint received 2020-09-18
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. (MN)

XXXX congress gave you the right to report information on consumer but in that law it Also states that you must report correct information At XXXX  % accurate information. Something you are not doing you sit on your XXXX all day and push code back and forth to the credit bureaus with out verification of anything. The reason I know XXXX review your Response dated XX/XX/XXXX you certified that the closing date was reporting accurately which is a XXXXXXXX XXXX and XXXX removed it. This also brings up another violation of the FCRA you shall not XXXX to the credit agencies what the XXXX are you doing! 
XXXX next to the last statement of your letter also dont you be telling to contact The credit bureaus when I dispute because again you will be sitting on your XXXX pushing button again not verifying anything you are the source and I will be contacting you. By now you know who the XXXX sent this reframe from mailing XXXX CFPB have an awesome portal state your claim there please!!!!!! Look at the close date on XXXX  and you XXXX  about that mm mm mm you XXXX XXXX  you!
Consumer complaint received 2022-09-21
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. (MO)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2022-09-21
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)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. XXXX XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX,
Consumer complaint received 2021-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX United Wholesale Mortgage loan # XXXX Mr  XXXX refinanced the loan and had {$1900.00} due back to him upon closure. UWM sent a check made out to Mr. XXXX and his deceased wife for that amount. He notified UWM that she deceased and sent in a death certificate. On XX/XX/2021 they acknowledged in writing that they received the death certificate and would send out a replacement check. No check was received so in middle of XXXX Mr. XXXX folllowed up and they said they would send the check within 10 days. No check was sent. In Early XXXX he contacted them again they said they'd send out a check again ... no check. XX/XX/XXXX followed up again. They said a check would go out ASAP and would call Mr XXXX back to confirm that the check went out. Still today, XX/XX/XXXX, nobody has called back and no check has been received. These people are continually lying and not paying Mr. XXXX the {$1900.00} that they owe.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$58.00} XXXX XXXXXXXX Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2XXXX XXXX XXXXDate of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NV)

I pay on this card on time every month and this is the second time they have lowered my available spending amount. I hardly use the card and it has a balance that was close to {$3000.00} dollars as I purchased a washer and dryer in XXXX. My balance now is {$1400.00} and today I received my second notice they are lowering me available balance to {$1500.00} because I don't have any real estate, accounts with high balances, and it's taking me to long to pay off my credit cards. I was lead to believe paying off credit cards negatively impacts ones credit score and for this card, which I haven't used in over a year, would be significant paid down based on the original credit line. I believe this company is intentionally causing me to have credit problems for absolutely no reason. As I said, I pay all of my credit accounts on time every month and I do not want a mortgage or a car note with inflation the way it is and gas prices here in Nevada are not going down. I am filing this complaint because this vicious action is going to impact my credit score and it's unfair and should not be allowed. I pay on my accounts, all of them. ON time, every month.
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. (FL)

In Accordance with the credit reporting act : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXk, XXXX XXXX XXXX, as violated my rights. 
15 U. S. C 1681 section 602 A. State that I have to write to privacy.

15 U. S. C. 1681 section 604A section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.