davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-23
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00} and XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}.
Consumer complaint received 2021-11-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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 2021-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XX/XX/XXXX Re : Loan # XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX CC : Fay Servicing XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : I am writing in regards to the above loan. My loan was transferred from XXXX XXXX loan on XX/XX/XXXX to Faye Servicing..When the loan was transferred my monthly payment was {$1800.00} & We were not behind on our mortgage XXXX  XXXX XXXX  in fact transferred the last payment that we made on to Faye Servicing We did not have a negative amount in our escrow account We had been with Faye Serving since XX/XX/XXXX in that time we fell behind from XX/XX/XXXX till XXXX XXXX payment is {$1800.00} we were due for a total of $ XXXX of XX/XX/XXXX XXXX paid all payment due from XX/XX/XXXX to XXXX XXXXWe are now due for XX/XX/XXXX As of this date Ive tried on numerous occasions to reach Faye Servicing in regards to the error on the account & correct monthly payment, to no availThis correction needs to be made immediately Please see all attached documents I requested from XXXX XXXX XXXX, in regards to monthly payment & when loan was transferred Also Ive included please see attached list of all payments made amounts & dates Which will show we are not behind & have made all payments due.. 

Faye serving is insisting that we pay {$5200.00} a month without any explanation. 

From XX/XX/XXXX to XX/XX/XXXX Total amount monthly payment is {$1800.00} 4 months due of payments We paid all 4 months for a total of {$7500.00} We are due for XX/XX/XXXX Please review this account as this is an enormous error, that needs to be rectified.. 

Regards XXXX & XXXX XXXX Sent Via Email to Faye Serving Sent Via Certified Mail #
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently submitted a request for an investigation of the disputed items, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. 3 Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2021-10-08
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

After a kohl 's account was charged off, because their collector told me I may get sued, I settled the account. I spent many months working on this with a company called XXXX XXXX XXXX. They have failed to update the account as settled, which it is, and they have failed to respond to my disputes. Kohl 's is still reporting the card with a balance, which is clearly inaccurate. They are willfully causing me damage by misrepresenting the facts on the account. Please make them remove the account entirely from my credit report because they have reported it inaccurately
Consumer complaint received 2021-11-02
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. (PA)

I am XXXX XXXX XXXX, and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-11-02
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. (FL)

I would like to report XXXX student loan provider as a bad actor in reporting false information to the major credit bureaus XXXX, XXXX and Equifax. It has been falsely reported on my credit reports that I have 14 delinquent accounts with the company. I recently spoke with a representative from XXXX that advised me all my accounts were reported as in good standing, however this verbal response poses as a discrepancy compared to my actual credit reports. I previously consolidated my 14 loan accounts into 2 accounts. However, the loans were in good standing before consolidation and are now being reported as delinquent.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I would like to report XXXX student loan provider as a bad actor in reporting false information to the major credit bureaus XXXX, TransUnion and XXXX. It has been falsely reported on my credit reports that I have 14 delinquent accounts with the company. I recently spoke with a representative from XXXX that advised me all my accounts were reported as in good standing, however this verbal response poses as a discrepancy compared to my actual credit reports. I previously consolidated my 14 loan accounts into 2 accounts. However, the loans were in good standing before consolidation and are now being reported as delinquent.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have reached out to XXXX, experian, and XXXX 5 or 6 times questioning the reporting of this unknown account XXXX ( Original Creditor : XXXX  XXXX  XXXX XXXX ) each time it comes back verified ... I have no idea what this account is ... .i am writing this complaint not only because i have no idea what this is but they are reporting the account on my report twice... they are double dipping which is a violation of my consumer rights...... the bureaus should be held accountable for the pencil whipping they do... I need these accounts removed from my reports immediately ... i have included and attachment
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
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)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have reached out to transunion, XXXX, and XXXX 5 or 6 times questioning the reporting of this unknown account XXXX ( Original Creditor : XXXX  XXXX  XXXX XXXX ) each time it comes back verified ... I have no idea what this account is ... .i am writing this complaint not only because i have no idea what this is but they are reporting the account on my report twice... they are double dipping which is a violation of my consumer rights...... the bureaus should be held accountable for the pencil whipping they do... I need these accounts removed from my reports immediately ... i have included and attachment
Consumer complaint received 2021-11-02
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Mutual Financial Partners (TX)

XXXX XXXX represented himself as a XXXX XXXX Department, and not only talked to XXXX our company 's receptionist, but the head of Human Resource XXXX XXXX. 
he told personal information and had everyone looking for me like I was or am a criminal, for a payday loan, this is unacceptable and unlawful, I have reached out for a private attorney to have this person and company sued for defamation of my character. they left the case # XXXX
Consumer complaint received 2021-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NE)

Specialized loan servicing has misapplied my mortgage payment from XXXX, XXXX kept in unapplied funds to pay principal instead of my mortgage payment. 

Prior to a period of forbearance there was a partial mortgage payment of XXXX paid from my account on XX/XX/XXXX. This payment was put in unapplied funds and kept there until mortgage modification where this company then applied to principal instead of current mortgage payment. 

SLS claims this payment was part of the modification agreement, however I NEVER agreed to use my mortgage payment held in unapplied funds to pay principal.

In fact, I made it clear to the company that this payment was to go toward my mortgage after modification.

SLS has a history of misapplying my mortgage payments and then telling me I am wrong or did not make the payment. 

This company has participated in XXXX intimidation with a representative calling me a " XXXX XXXX XXXX '', ( which I filmed ) a consistent misapplication of funds and an attempt to short sale my house all the while I have paid my account on time. 

Please do not let this company steal my hard earned mortgage payments! It is against RESPA to apply mortgage payments to anything else BUT THE MORTGAGE. 

This company continues to take advantage of me as a XXXX, XXXX, veteran and XXXX. 
They must be stopped and held accountable for this practice of stealing homeowners money by subverting to unapplied funds. 

1 - See attached the bank statement from XXXX XXXX showing the partial payment. 
2 - See attached screenshot from SLS showing the payment applied to principal labeled " current interest and principal payment '' 3 - SLS response to CFPB with highlighted texts, admitting they misapplied mortgage payments from XXXX and reapplied to account with XXXX, XXXX adjustment demonstrating evidence of XXXX, XXXX partial mortgage payment.
Consumer complaint received 2021-10-07
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: Prosper Marketplace, Inc. (VA)

On XX/XX/2021 at XXXX XXXX  I received an email from a company called Prosper about a denied loan application that I didn't apply for, it went on to further explain to check my XXXX credit agency if the report was inaccurate. I first called Prosper and asked them about the email I just received from them, They went on to explain that they did not have anything on file that I applied for a loan. I also called XXXX to ask if they seen a Hard Inquiry on my Report, and they also stated that they did not see anything as well. 
I don't feel easy about this due to they emailed me on my private business server. Can you please investigate this issue due to the fact that someone or something allowed me to receive that email?
Consumer complaint received 2022-08-12
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: Experian Information Solutions Inc. (CO)

I submitted a complaint to the Consumer Finance Protection Bureau on XX/XX/XXXX, 2 of the 3 companies responded on XX/XX/XXXX they include XXXX Credit Bureau and XXXX Credit Bureau. Experian did not yet respond which also is an issue. All the information listed on my consumer report was added through identity theft. 15 USC 1681B clearly states the consumer must provide written consent for anything added to their consumer report. Which means they obtained all information through identity theft because I did not consent. That is also a violation of 18 USC1028A aggravated identify theft and the privacy act of XXXX seeing as they shared my SSN. According to 15 USC 1681C-2 the consumer reporting agency has 4 business days to block information resulting from alleged identity theft. It has been 4 days since they opened their investigation and no action has been taken.
Consumer complaint received 2023-07-07
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: EQUIFAX, INC. ()

I taken personal loan XXXX back in XXXX XXXX XXXX XXXX and I fully paid said amount... but they not update my last payment of XXXX but it shows outstanding balance of XXXX in XXXX score  ... Kindly resolve this issue..
Consumer complaint received 2021-10-07
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. (FL)

XXXX and Experian allowed XXXX to continuously report inaccurate information for several months including XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. When I asked to have the information verified they did not properly verify the information and continued to allow in accurate info to be reported violating my right to a fair and accurate credit report. They allowed XXXX to continue to change the dates, and balance and statement of a collection with inaccurate information with the most recent being XX/XX/XXXX. The statue of limitation ran out on the account so XXXX reported the account with a new opening date of XXXX of XXXX when the initial account was report 2 years prior and settled.
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2022-01-19
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. (LA)

I tried reaching out to this bureau several times about this account that does not belong to me and inquiries that do not belong to me. this information is fraudulent and i want it investigated and removed from my credit report!
Consumer complaint received 2021-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I opened a XXXX checking account with Capital One, and setup my paychecks to be deposited into it. I never received my card, but apparently someone did because they withdrew or charged all of my funds in the account. I reported this to Capital One and they temporarily credited my account on XX/XX/XXXX while they investigated. They also told me that they'd send me a new card, which I'd have to sign for. It was delivered to me but was just left in an envelope on my porch. Luckily I was home and retrieved it before someone else did. I thought it possible that someone could've broken into my mailbox and took the original card because some other items I was expecting were missing as well, so I submitted a claim to XXXX on XX/XX/XXXX, but they weren't able to help. Capital One eventually reversed my temporary credits on XX/XX/XXXX, stating that they " didn't find any errors during [ their ] research. '' On XX/XX/XXXX I submitted an appeal and asked for further clarification ( steps they took to investigate, etc. ) but was offered no further information except to tell me that my claim was closed and they wouldn't continue any dialogue with me about it, even though I had many more questions and concerns and even asked what documentation I could provide to them to prove my case. Performing an insufficient investigation is one thing, but to also provide no reasoning and to decline to answer any of my questions is absolutely appalling. Also, the logic behind basically calling me a liar, accusing me of attempting to commit fraud against them but still keeping my account open, is perplexing to me. I'm not sure if that's standard practice. But I'm inclined to close the account myself if this issue isn't resolved. I wish I had never opened an account with Capital One and would advise against anyone else doing so. 

Fraudulent Transactions : XX/XX/2021 - {$800.00} - ATM Withdrawal - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Withdrawal Time : XXXX XXXX GMT-5 Amount : {$800.00} ATM Fee : {$3.00} XX/XX/2021 - {$510.00} - XXXX # XXXX - Debit Card Purchase : XXXX XXXX GMT-5 XX/XX/2021 - {$60.00} - ATM Withdrawal - XXXX XXXX XXXX XXXX, TX XXXX Withdrawal Time : XXXX XXXX GMT-5
Consumer complaint received 2023-01-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (AZ)

I had a car repossessed by Wells Fargo. 
It was a XXXX XXXX XXXX. 
I paid {$13000.00} for it in XXXX. 
I came under circumstances not under my control. 
I was 3-4 months behind my payments, they'd stolen my car in the night. 
I showed up at the branch, with cash in hand, ready to pay off my back payments on a Saturday. 
The banker told me, " that section is closed today since it is a Saturday, probably, they've already sold your car by now. '' Wait? a major bank and that section is closed today, you have to be kidding, what are you doing here, then? 
I said, " how can you do that? I still have a week to redeem, my car. '' Simply shameful XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am writing to file a complaint against Equifax for the lack of response to my disputes that were sent. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I sent XXXX separate disputes to Equifax regarding errors on my credit report. 

To this date, I have not received any response from Equifax regarding the disputes. According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate and correct any errors on my credit report within 30 days of receiving my dispute. 

I am extremely disappointed with the lack of response from Equifax and the continued presence of errors on my credit report. These errors are negatively impacting my credit score and hindering my ability to obtain credit.