davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-15
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-05-26
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: JPMORGAN CHASE & CO. (PA)

I have an unknown hard inquiry from " Jpmcb Card '' ( aka Chase Bank ). I've contacted XXXX  last month on late XXXX to file a dispute and never heard back from them. I've recently contacted XXXX again on Tuesday XX/XX/2021 to follow up on the dispute. 

XXXX  stated they have submitted the request of deletion to the creditor " Jpmcb Card '' but they did not act on the request. I was referred and recommended to contact the FTC and to file a police report. I received the creditors information from XXXX  and will be contacting them tomorrow on XX/XX/2021. 



The contact information for the creditor " Jpmcb Card '' I'd received from XXXX  is : XXXX XXXX XXXX XXXX. 

Thank You for your help and time.
Consumer complaint received 2020-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

In the midst of the corona virus and the care act, my mortgage company charged me a late fee as well as reporting a payment as late to the credit bureaus. I have paid all mortgage payments and was only late that one time during corona virus and Id like this removed from my credit report. 

Payment was due XX/XX/XXXX for {$2600.00}. I paid it on XX/XX/XXXX and paid XXXX on XX/XX/XXXX.
Consumer complaint received 2020-11-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I already sent a complaint here that I sent a dispute letter asking for verifiable proof of the accounts on my credit report. And I sent a follow up letter because I did not get a response to the original dispute. I don't know if someone is playing games with me or what, but you responded back that you don't believe it's me sending the complaint. Well it is me, and my complaint is that XXXX is the date of my original dispute, XXXX is the date of my follow up letter because I didn't get any response from you regarding the dispute of these accounts XXXX XXXX-acct XXXX and XXXX- acct XXXX. Section 611 ( a ) states that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been well over the time allowed according to the codes and laws so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress that you are causing me. I have included my dispute letters, a utility bill, my drivers license, and my social security card to make sure you know that this is me filing these disputes and complaints. Also, my information was impacted by the equifax data breach and probably the wrong person got a hold of my info.
Consumer complaint received 2022-06-30
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. (GA)

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS XXXX TRANSUNION AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERE ARE ALSO 2 ADDRESSES ( XXXX XXXX XXXX XXXX, OHIO XXXX ) & ( XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS 1.XXXX, XXXX XXXX 2.XXXX XXXX XXXX  XXXX 3.XXXX XXXXXXXX XXXX 4.US DEPT OF ED/XXXX  XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE XXXX  AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT
Consumer complaint received 2021-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (IL)

I just began monitoring my credit report as of XX/XX/. I received an alert on XX/XX/XXXX that a negative mark for XXXX all of a suddenly was put onto my report from midland credit management, then i immediately called to find out. I spoke with a agent and was told to file a police report due to me never owning the account and having no knowledge of it then it would be removed. Ive placed a fraud alert on my credit report.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (NY)

I am writing this due to non-complaince with the CRA XXXX XXXX XXXX XXXX XXXX 
They have failed to remove information that was affiliated with personal details that w ere chalenged in a past. 
I strongly beleve that they are in violotion of the FCRA and are outright refusing to uphold the law Futher more they continue to report late payments on closed and charge off account.
Consumer complaint received 2022-12-12
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: ARC Management Group, LLC (FL)

I did not sign a contract with this company and I have no signature or binding contract with this company ARC Management Group , LLC. Therefore I want them to delete account from my credit report! Asap! Or I will take legal action. They bought an account and are trying to charge me for something I do not owe there. Please provide information where I signed a binding contract with ARC Management Group , LLC and also show point of contact. Please delete from my credit report asap! Thank you As of XX/XX/2021, an amendment to Regulation F, which implements the FDCPA, says that a debt collector can't report a debt to the three major credit reporting agencies, XXXX, XXXX, and XXXX, before first contacting the consumer. The debt collector must : speak to the consumer in person or by phone or mail a letter or send an electronic message, like an email, about the debt to the consumer and then wait a " reasonable period of time '' ( at least 14 consecutive days ) to see if a notice of undeliverability comes back. 
If the collector gets a notice that the letter or message was undeliverable, the collector can't report the debt to the credit reporting agencies unless it achieves communication as detailed above. ( 12 C.F.R. 1006.30 ( a ) ( 1 ) and Official Interpretation of 30 ( a ) ( 1 ) ).
Consumer complaint received 2021-07-16
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. (VA)

On XX/XX/2021 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. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-20
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 — Their investigation did not fix an error on your report
Company: EOS Holdings, Inc. (PA)

I recently challenged the validity of EOS CCA ( Original Creditor : XXXX XXXX XXXX - XXXX ( Collection ) account that's being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account.
Consumer complaint received 2023-01-05
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. (GA)

I am XXXX  that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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 - {$0.00} XXXX XXXX XXXXXXXX XXXX {$75.00} XXXX XXXXXXXX - {$140.00} 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 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 item 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-16
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)

After reviewing my credit report today XX/XX/21, I noticed XXXX XXXX & Equifax are reporting incorrect information on my credit report and It is causing a hardship for me to get approved for credit. Account rating shows Derogatory but account was paid.
Consumer complaint received 2021-04-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (OH)

I have had coinbase account now for a couple years and one day all of the sudden my account was " under review ''. This was back on XX/XX/21 and they said it would take a few days. I then got an email on XX/XX/21 saying my issue was resolved, but it clearly has not since i can not get back into my account. I have reached out a couple more times and have not heard back from them. I would simply just like to get back into my account so I can pull out my funds.
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (CO)

I have always paid my account on time every month thru the website that the company provided and i receive notice that they receive the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company and talking to them about removing the late pays as a courtesy after explaining the situation because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (VA)

I recently acquired a new credit card from Avant issued through XXXX. I made the first payment ( XX/XX/XXXX ) via the Avant app without issue. On the second month, I tried to make a payment online via the Avant website of {$200.00}. Upon receiving the email confirmation of the scheduled payment for the same day, the payment amount was incorrect. It showed a pending payment for the full amount of {$850.00}. I immediately called customer service to advise of the incorrect payment showing in the system. The representative advised due to payment being the same day, they were unable to cancel the payment and and that I had to call my bank to stop the incorrect payment. 

I called XXXX XXXX XXXX XXXX and was advised they would try to stop the pending payment ; however, it was not a guarantee that they could stop it as it wasn't showing in their system yet and not sure of how Avant would submit to the bank. The {$850.00} payment in XXXX was not stopped and cleared the bank and posted to my Avant account. I was not happy but it was paid. In XXXX, I tried to again make a payment by the due date of the full amount due - {$1900.00} on XXXX. I was advised by XXXX XXXX on XXXX that this payment was now stopped due to the previous request of stop payment. I was not aware of a XXXX  day timeframe even if they were not able to stop the payment. XXXX XXXX removed the request and advised they were not able to rerun the payment, that I needed to call Avant and ask to have the payment rerun. I called on XXXX and spoke with several representatives to try to get the payment rerun, they forwarded me to their payment center and I was advised that they could not rerun the payment as the {$1900.00} was showing posted in their system and would not allow for another payment as the total balance was cleared. I repeatedly advised that I did not want to have the payment show as a late fee due to the system issues but the representative advised that the payment showed paid before the due date of XXXX and should not be any issues. I received notification from Avant on XXXX that the payment returned and I needed to make another payment. I paid another payment on XXXX and Avant updated the payment again, charged a {$28.00} late fee and refused to waive the late fee even though I tried to make the payment in good faith before the due date. I submitted a late fee waiver and was declined. This company will not have any supervisors call back or answer a call and will only advise to email their card resolution department.
Consumer complaint received 2021-04-02
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. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX  XXXX {$2900.00} XXXX XXXX {$2300.00} US DEPT XXXX XXXX {$2900.00} US DEPT XXXX XXXX {$2300.00} XXXX XXXX SV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX {$2300.00} US DEPT XXXX XXXX {$2300.00} ( XX/XX/XXXX XXXX US DEPT XXXX XXXX {$3100.00XXXX XXXX XXXX {$2900.00} XXXX  XXXX {$3500.00} US DEPT XXXX XXXX {$3500.00} US DEPT XXXX XXXX {$2900.00} XXXX XXXX {$1500.00} XXXXNET XXXX {$3500.00} US DEPT XXXX XXXX {$1500.00} {$3500.00} US DEPT XXXX XXXX {$3500.00} US XXXX XXXX XXXX {$2900.00} XX/XX/XXXX US DEPT XXXX XXXX {$2300.00} XX/XX/XXXX US DEPT XXXX XXXX {$2300.00} XX/XX/XXXX US DEPT XXXX XXXX {$3100.00} XX/XX/XXXX US DEPT XXXX XXXX {$3500.00} XX/XX/XXXX US DEPT XXXX XXXX {$2900.00} XX/XX/XXXX XXXX DEPT XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$3500.00} XX/XX/XXXX XXXXT XXXX {$2900.00} XX/XX/XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX DEPT XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX DEPT XXXX XXXX {$3100.00} XX/XX/XXXX US DEPT XXXX XXXX {$2300.00} XX/XX/XXXX US DEPT XXXX XXXX {$0.00} XX/XX/XXXX XXXX US DEPT XXXX XXXX {$2900.00} XX/XX/XXXX XXXX DEPT XXXX XXXX {$3500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$3500.00} XX/XX/XXXX US XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX {$3500.00} XX/XX/XXXX US XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2021-07-01
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. (TN)

I have been requesting, sinceXX/XX/2021, verification of these alleged debts that you keep reporting on my credit files. However, your agency has failed to investigate & obtain, as mandated by law, proof of such debts. Yet, you have continued to report & sell erroneous information about me. Therefore, it is quite obvious that you have deliberately violated my rights in more than one way which is punishable by law. I have been requesting, sinceXX/XX/2021 verification of these alleged debts that you keep reporting on my credit files. However, your agency has failed to investigate & obtain, as mandated by law, proof of such debts. Yet, you have continued to report & sell erroneous information about me. Therefore, it is quite obvious that you have deliberately violated my rights in more than one way which is punishable by law.
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (VA)

I successfully disputed an address off of my credit report with Equifax about a month or two ago. I got a letter in the mail saying that the address was deleted but for some reason Equifax, acting as a consumer reporting agency, has given me the impression that 15 USC 1681 does not apply to them in any way, shape, or form. They have amazingly decided to break federal, especially the Fair Credit Reporting Act, and state laws because they think as a consumer, I am not smart enough to know they are functioning under their own set of rules when it comes to my credit file and my credit report, which I also detailed in another CFPB complaint, with the complaint number XXXX ; where in complaint number XXXX, they willingly and negligently decided to update and change inaccurate and incomplete information in my credit file and on my credit report whenever and however they pleased instead of deleting and removing information after having knowledge the information was inaccurate and incomplete. 

Equifax deleted an address off my credit report and took it upon themselves to reinsert that address back on as they have been doing for awhile now. I am sure they have done this many times to other consumers because they do not care about 15 USC 1681 or any other federal or state laws. Just as I have done with complaint XXXX, I am providing evidence such as the time and date stamped letter stating the deletion, a credit report before my dispute, a credit report showing the address information deleted, and a credit report after the information was willingly and negligently reinserted back on my credit report and in my credit file. I am lucky that I know exactly how they are violating the law and I have pulled my credit report almost every week over the past year in order to catch their violations. 

I will be forced to seek legal action in federal and/or state court for these negligent and willful violations of the law, if this address information and the information from complaint XXXX is not deleted and removed from my credit report and credit file as soon as possible and another new credit report reflecting those changes is not sent to me very soon.
Consumer complaint received 2020-12-14
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

Upon arriving to the closing table at the XXXX XXXX XXXX , XXXX to sell my home on XX/XX/XXXX I was presented with the Seller Credit/Debit sheet, where at that time I discovered a mortgage payoff to PennyMac Loan Service, LLC consisted of a 2nd mortgage in the amount of {$78000.00} being held through the Secretary of Housing and Urban Development ( HUD ), of which I was completely unaware of prior to receiving this document. In XX/XX/XXXX I met with a bankruptcy attorney to sign paperwork to file bankruptcy, but was advised not to go through with the bankruptcy by the attorney based on the fact that both myself and the attorney were under the impression that my home held about {$80000.00} in equity and was therefore given the option to either sell my home to access the equity and pay off debt that accumulated from an extended period of lack of work or work with debt companies to slowly pay off over time. I contacted my mortgage company on two separate occasions prior to deciding to sell my home for mortgage payoff information and was NEVER provided any information or details into the now apparent 2nd mortgage that occurred from 2 previous loan modifications done in XXXX and XXXX and subsequently was never provided with any information or details of this 2nd mortgage throughout the entire duration of the existence of said 2nd mortgage, to include, but not limited to, statements ( paper or electronic ), online mortgage account access, or phone correspondences between myself and my mortgage company, PennyMac USA. As a result of this complete lack of information and/or visibility into the said 2nd mortgage loan multiple financial " damages '' were incurred. I am therefore submitting this complaint against PennyMac Loan Services , LLC and/or the Secretary of Housing and Urban Development ( HUD ) for gross neglect and negligence on their part to disclose information and/or any and all details of the 2nd mortgage with regard to the full amount ( s ) owed, as well as, rate ( s ) of interest being accrued, penalty and payoff information, at any time during the existence/course of the 2nd mortgage loan.