davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MS)

Ive spoken to several representatives at Equifax concerning the problem of them not receiving any documentation that I have clearly submitted! I have mailed in documentation that was mailed via certified mail and I have also faxed in all necessary documents requested by Equifax to fax number XXXX. Ive spoken to agent XXXX in the XXXX XXXX Care Fraud Department and his supervisor XXXX employee number XXXX  on Wednesday XX/XX/21. XXXX instructed me to yet again wait until Friday XX/XX/21 for the documentation that was faxed in on XX/XX/21 to be uploaded. The US postal service gave me confirmation that my dispute letters and supporting documentation was received by someone at Equifax on XX/XX/21. I also called in today on XX/XX/21 to follow up again and I was told that they havent received any documentation from me since XX/XX/21! Thats ridiculous! I have inquiries on my consumer report that I have instructed Equifax to remove and they refuse to follow the FCRA! They are clearly violating my consumer rights! The agent that I spoke to today has stated that she filed a complaint on the mail department because they arent doing their job by not uploading my documents, and the complaint number is XXXX, and she also filed a dispute to remove the unauthorized inquiries listed in my FTC report. The Dispute confirmation number is XXXX. Equifax has refused to upload my dispute letter which has supporting documentation to remove the unlawful late payments being reported on my XXXX accounts. This under the FCRA is defined as willful negligence and violates 15 usc 1681n.
Consumer complaint received 2020-11-17
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. (NV)

I've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus assisted me in removing them. I recently reached out to the bureaus to have these fraud items blocked/removed like the previous accounts before and XX/XX/XXXX and XX/XX/XXXX did their jobs in no time. Transunion on the other hand, has received my request to block these fraud accounts, through the 605 ( b ) laws, as I've sent in a FTC Law Enforcement Report, list of fraud item, and proof of identity displaying my I.D cards. Transunion continues to tell me over the phone that they are still working on their investigation and its been about a month since they've received notice. I have two separate confirmation # s for two separate occasions having to block these accounts. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to remove the identified fraud items off a consumers report, that is law! That statement is not an opinion, these are the FCRA Laws, Law 605 ( b ). So why is this item still on my report? Because Transunion is WILLFULLY and KNOWINGLY being negligent of identity fraud. This has to stop!
Consumer complaint received 2020-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

i sent letters to all 3 credit bureaus stating that i did not recognize any of the inquires on my credit report and dont know where they came from and i also explained my information was exposed in the data breach and forwarded accounts and inquires that were not done by me. when i call they say they dont have any of my paper work on file
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I have written the Bureaus asking them several times how they came to determine these accounts were correct. All of them continue to stall and never explains how they verify the accounts on my credit report. I have ask them because the accounts shows errors and different dates, still not details on how the accounts are correct.
Consumer complaint received 2022-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1 FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
2. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report.

3. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report.

4. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
5. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
6. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report
Consumer complaint received 2021-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (NC)

I have previously filed a complaint against Chase Bank for this debt due to inaccurate reporting to all of the credit reporting agencies. Chase filed inaccurate information regarding this account, and according to the Fair Credit Reporting Act, ALL information must be accurate or the account must be removed from ALL credit reporting agencies ' records. Chase still has not removed this account from any of the credit bureaus. Also, I have attached the latest debt collection letter from Chase directly, even though Chase has already charged-off the account and they have received a full tax write-off from the IRS as of XXXX , 2021. Chase Bank has already been fully compensated by the government and they are trying to double-dip the system in order to collect extra money.
Consumer complaint received 2024-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/XXXX I picked up the mail, and discovered I had received a letter dated XX/XX/XXXX, from Truist that I am late on making the XXXX payment to my home loan. I had not received any prior notification Truist was now the servicing bank for my loan. I attempted to create an online account with Truist and make an ACH payment. The online system would not accept my XXXX XXXX XXXX XXXX account for payment. I was presented with an error that stated I was not the account owner. On Monday, XX/XX/XXXX, I visited a Truist branch to attempt and resolve this. The branch was unable to take payment via an ACH payment or via physical check. In both cases, the branch advised the computer system was denying the payment because I was not the owner of the XXXX account attempting to make payment. I was present with my drivers license and checkbook, and a statement from XXXX community. The branch was unaware why the system was denying payment. We placed a call into the mortgage department, and the representative on the phone agreed to take an ACH payment for the XXXX and XXXX balance due of {$3300.00}. Payment was taken via the phone on XX/XX/XXXX for this amount and a confirmation number received ( XXXX ). As of this morning ( XX/XX/XXXX ) I had not seen the amount debited from my XXXX account. I called in to Truist and discovered the payment was denied because the account could not be found. I asked why I had not been notified of this - Truist advised if payment was not received by XX/XX/XXXX, late fees would start amounting. ( This is contrary to the documents provided by the branch that state in the transfer from XXXX XXXX  to Truist, no late fees would be collected for 60 days ). XXXX asked to speak with XXXX XXXX, and so I did conference the banks. XXXX confirmed the name on the account, and the routing and account numbers, no special flags existed on the account, it could be used for payment, and sufficient funds existed for the draft. Once this was complete, Trusit said they could not take the full payment of {$3300.00}, but would need to process just the XXXX payment of {$1600.00}. This received a confirmation of XXXX. I do not have high hopes the payment will go through, especially since now Truist only wants to take payment for XXXX, and not XXXX. I contacted a branch to see if it is possible to make a cash payment in person, and they advised it is possible. I will attempt this because it is unknown to me what Truist is doing with the loan, and to me it appears they are refusing valid payment to either place me in a delinquent status to take my home, or have late fees pile up ( that go against their own publication ).
Consumer complaint received 2020-11-17
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. (CA)

I've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus assisted me in removing them. I recently reached out to the bureaus to have these fraud items blocked/removed like the previous accounts before and XX/XX/XXXX and XX/XX/XXXX did their jobs in no time. Experian on the other hand, has received my request to block these fraud accounts, through the 605 ( b ) laws, as I've sent in a FTC Law Enforcement Report, list of fraud item, and proof of identity displaying my I.D cards. Experian continues to tell me over the phone that they are still working on their investigation and its been about a month since they've received notice. I have two separate confirmation # s for two separate occasions having to block these accounts. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to remove the identified fraud items off a consumers report, that is law! That statement is not an opinion, these are the FCRA Laws, Law 605 ( b ). So why is this item still on my report? Because Experian is WILLFULLY and KNOWINGLY being negligent of identity fraud. This has to stop!
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2020 at XXXX I purchased a Storage Shed online at XXXX for the amount of {$99.00} shipped to a new address due to I was moving to that address the landlord advised that I was not getting the home due to another family got the approval before me. on XX/XX/2020 at XXXX I send an email to the merchant as what there return policy explained they did not reply only with the shipped tracking number XXXX I wrote to them again and did not responded back to me. I started a Claim with my bank, Bank of America, banking is a rip off they don't do their investigations in time. anyways I did not responded to them on time they closed the claim on XXXX due to missing documents or a reply back. when I didn't received a notification on time. I was in the middle of a move when they closed it. when I noticed I called very patient and understood my fault. I send all documents in XX/XX/2020 paid {$31.00} for them to receive all documentation and they can close the claim fast. I called them on XX/XX/2020 at XXXX and they confirmed it was received and processed to the merchant to reply back. asked what is the timeframe. they advised 90- days since the claim was re-opened. not its been more than 90 days and they want me to wait other 45 days because they send requesting more information from the merchant on XX/XX/XXXX, XXXX how is it that legally is 90 days for a Bank claim department XXXX close a claim and then now I have to wait 45 days it is not fair since I did want I needed to do to get the claim processed. XXXX the supervisor is going in circles and won't help expedite this process and she is only saying that the procedures is 90 days but because they send the documents to the merchant on XX/XX/2020 I have to wait another 45 days. from my understanding under FDIC law indicates that the merchant has 45 days to reply within a 90 days frame. she said that is not true. and that their procedures are different. from what understand they have to follow federal laws including the FDIC.
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have written the Bureaus asking them several times how they came to determine these accounts were correct. All of them continue to stall and never explains how they verify the accounts on my credit report. I have ask them because the accounts shows errors and different dates, still not details on how the accounts are correct.
Consumer complaint received 2022-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pressler & Pressler, LLP (NJ)

I got home last weekXXXX and saw a mail from a collection agency, I open up the mail and saw that I applied for a XXXX XXXX XXXX credit card which I did not apply for any XXXX XXXX XXXX credit card amounting XXXX, I call social security and let them know someone my identity and get a credit card, and I forwarded a mail to the collection agency, prestler felt and warshaw llp that I do not apply for no card, it wasn't me and moreover i don't have no XXXX XXXX in the state.
Consumer complaint received 2021-03-05
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 have already tried reaching out to this credit bureau about fraudulent accounts that have been reporting on my credit and nothing has been done to solve this issue. There are still accounts reporting that do not belong to me and I want these items re disputed for further investigation. I was a victim of identity fraud and my personal information was used to open these accounts without my knowledge.
Consumer complaint received 2020-11-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Someone opened an online account in my name. I have sent letters, called ( I can't answer security questions because I did not set up account ) I have a police report for this fraud, sent an identity theft letter x2 and get no response. They just send me bank statements. 
USSA Federal Savings Bank XXXX XXXX XXXX XXXX XXXX TX XXXX I have never served in Military I did not open this account
Consumer complaint received 2022-09-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (UT)

This is a 3rd part debt. I'm now being sued for damages for the amount of XXXX. All this came about when I exited the XXXX and I didn't even get served my brother in law did.
Consumer complaint received 2020-08-12
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: Kelsting Group, Inc. (CA)

In XXXX of 2011, I filed for a chapter XXXX bankruptcy protection. Included in the bankruptcy was an account from a dental office. The office notified me of the unpaid account and I told them that I had unfortunately filed for a chapter XXXX bankruptcy protection and that the account was included. They ended up selling the account to a collection agency. I told the agency that the account was included in a bankruptcy protection. 

I have been trying to dispute it with all three credit bureaus since the inception of the bankruptcy but they keep telling me that the account was accurately reported on my credit. 

The account is now past the statute of limitations, ( four years ) according to the California law. I asked the credit bureaus to remove the account as it is too old to be on my credit file, they did not. Instead, they allowed the collection agency to continue reporting old outdated and bankrupt account to continue causing damages to my credit.
Consumer complaint received 2020-06-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (MD)

I received an alert from XXXX XXXX saying a collection was added. I had no knowledge of the collection until I received the alert from XXXX XXXX. I never received a phone nor letter advising me to dispute the validity of this debt. It is affecting my credit and need it removed. Im supposed to receive notification to dispute, and if I dont respond within 30 days then it can be added to my report, instead they added it without giving me the opportunity to dispute the validity of the debt
Consumer complaint received 2022-06-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Figure Technologies, Inc (DC)

My wife and I are both retirees. We wanted to secure access to funds for years in the future ( est. of 5-8 years ) when we might need added funds to meet our mortgage 's changing payment terms but when we would be TOO OLD to process the change with sound decisions. We were attracted to an alleged HELOC offered by a firm new to us and apparently NOT a regulated bank called FIGURE Technologies , Inc. We quickly obtained a so-called " HELOC '' for about {$200000.00} which we later realized would cost us 3 % of the {$200000.00} loan amount as an UP FRONT fee AND we would also pay 5.25 % interest AND if we repaid some of the loan the rate when we would be able to " re-borrow '' the funds again ( say within 5-8 years ) would be at a higher interest rate or not possible at all. With the coming recession, we would like to payoff the so-called HELOC or else reduce the interest rate and/or upfront fee. We are told we can not reverse or reduce the 3 % up front charge made a few months ago at inception and we can not reduce the interest rate. 

A better approach for us would have been to be refinance our existing mortgage with XXXX but we didn't know whether or not FIGURE could refinance mortgages.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. XXXX really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-07-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Carvana Group, LLC (SC)

On XX/XX/2021 I XXXX XXXX, I entered a consumer credit transaction online in which I was the original creditor and the seller with Carvana by providing my credit card ( license ). As I proceed online to further the transaction there is a down payment of {$37000.00}. Because there is a finance charge presented pursuant to 15 USC 1605 they can not take down payments because the finance charge is the sum of all charges. Once my credit card XXXX license ) was submitted there was a credit card transaction in progress. 18 USC 8 pursuant to 15 USC 1602 ( a ) ( I ) once the card is submitted all obligations in this credit card transactions are paid for.

In pursuant to 15 USC 1611 giving false or inaccurate information or fails to provide information is a violation to my consumer rights In pursuant to 15 USC 1640 ( 2 ) ( A ) ( i ), ( 2 ) ( B ) for violating, in the case of an individual action twice the amount of any finance charge in connection with the transaction
Consumer complaint received 2022-06-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (SC)

I have been in various disputes with Spring Oaks Capital , LLC since they showed up on my credit report in XXXX of XXXX This occurred after they spoke with spouse who informed them that we had not had any sort of loan through the company from which they purchased the supposed debt. 

The original creditor was XXXX XXXX. I've not even heard of XXXX XXXX until this ordeal, and I honestly couldn't say what sort of credit the company provides to customers. I know that I am not a customer, though, and they have apparently provided my information to the aforementioned debt collector. 

Since XXXX, as previously stated, I have filed several disputes regarding this $ XXXX debt. Somehow it has managed to still show on my credit report. 

The mind boggling part of this situation is how you're expected to prove a debt isn't yours, while the little, if any, proof the creditor provides is sufficient based on a similar name or something to that effect. A similar name does not constitute paying a debt that isn't due. 

I have unsuccessfully disputed numerous times because I haven't proved the debt isn't mine; but stating it's not should be enough. The burden should not fall on a supposed debtor who, like myself, may have no documentation of any sort because there was never credit provided to begin with. Creditors should actually have to prove who the correct debtor is rather than targeting an individual who possesses commonalities with the debtor. 

I am hoping for a better result going through the CFPB and hope to have this debt removed entirely.