davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-06
Product: Credit card — 
Issue: Payoff process — 
Company: AMERICAN EXPRESS COMPANY (CA)

I paid off my credit card with American Express. It was a check for {$6000.00}. They cashed the check, but failed to payoff my account. I have a copy of the check they cashed on XXXX/XXXX/16 which was drawn off of XXXX XXXX XXXX. Check number XXXX. Please fix this as I 've contacted American Express numerous times and have gotten no help. At one point they mentioned doing an investigation which would take 30 days. This is unacceptable.
Consumer complaint received 2016-06-09
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

For my monthly statement with the due date XXXX/XXXX/2016 ( XXXX XXXX through XXXX XXXX ), the new balance was {$3000.00}. However, Capital One then reported my balance being {$3100.00} without notice and added a {$59.00} membership fee also without notice, seemingly attempting to put my card greatly over the limit, which brought my credit score down from XXXX to XXXX within the FICO reporting months of XXXX 2016 to XXXX 2016. I have paid {$100.00} and the minimum was {$97.00}. These are unfair practices by Capital One. The should at least warn me when they will add a membership fee.
Consumer complaint received 2016-05-06
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP (AL)

I purchased several Mastercard prepaid debit cards in order to pay my utility bills. When XXXX was declined, I contacted the issuer and learned that XXXX of my cards had been registered in somebody else 's name and used to make small charges at a local government office in a different state. At the time of purchase the packaging had been intact and I had not previously opened or attempted to use the cards. Based information posted on the internet by other consumers as well as the large volume of CFPB complaints with the same issue ( XXXX in XX/XX/XXXX and XXXX XX/XX/2016 ), there seems to be a widespread issue with the security of these cards.
Consumer complaint received 2016-06-10
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (TX)

A vehicle I had was repossessed XX/XX/2015 and sold at auction. The company Santander has since sold the debt to XXXX. However they continue to report each month as if this a current debt, repeatedly preventing me from recover from the initial hit to my credit score. I have repeatedly dispute this with XXXX as per law once Santander sold the debt they are no longer allowed to continue to report it. However Santander keeps reporting as if this is a current debt and refuses to update my report to show they have sold the debt.
Consumer complaint received 2016-10-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: WELLS FARGO & COMPANY (MO)

I took a private student loan out with XXXX XXXX in XXXX. I was in deferment of this loan until XXXX/XXXX/XXXX due to half time school status. In XXXX XXXX of XXXX, the loan was bought out by Wells Fargo. By XXXX XXXX, I was told that i was already {$230.00} past due. I have record of payment for XXXX through XXXX with the request of a forbearance in XXXX XXXX. With no word on forebearance I continued to struggle through payments. However, payment was made in XXXX and XXXX and on XXXX XXXX XXXX, I was defaulted. I worked with them to rehabilitate the loan despite continued hardship and the deferment of my other federal loans. I have record of payment to rehabilitate the loan from the XXXX after deferment to XXXX. In XXXX of XXXX, the loan was sent to a collection agency ( XXXX XXXX XXXX ) They offered to settle out for {$8400.00} which I did not have. I told them my financial income and expenses and said I could make payments of {$150.00}. They would not agree to this and continued to harass me until the following XXXX XXXX XXXX ). Messages for this debt have also been left on my phone for a XXXX XXXX. The loan was then passed off to a second collection agency which also harrased me and tried to take {$2000.00} from my checking without authorization. My bank denied the transaction. Harrasment became so bad and they were so unwilling to set up a payment plan that a cease and dissist letter was written so that they stopped contacting my employer. Since XXXX of XXXX, I have worked to try and continue sending payment. However I have no access to my wells fargo account online and neither the collection agency or wells fargo will return a call. The money I have sent is continued to be cashed but i have no way of seeing how much is owed ( if any ). Therefore, I have no way of settling out or continuing to make payment and know that it is being applied legally to the loan. Despite any past hardship I might have had, I paid this loan in accordance to the promissory note terms and feel i was illegally put into default. Regardless of the default I am now able to pay this loan but currently have no way of knowing where my money is going and what is left to pay. Any help is appreciated!!! I am working hard to do the right and honest thing.
Consumer complaint received 2016-06-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (AL)

XXXX XXXX agency has submitted request to delete a XXXX collection account multiple times since XXXX of 2015. Equifax has failed to do so and will not accept multiple forms of written proof of the deletion request. Today I spent 56 minutes and received no help. I ultimately spoke with a supervisor names XXXX in the Office of Consumer Affairs for Equifax. She ( uselessly ) filed another dispute ( this is my 4th identical dispute ) despite having been supplied the information on multiple occasions by XXXX via the industry standard XXXX form. My new ( fourth ) dispute is XXXX. I have faxed written proof on several occasions myself. XXXX was rude and dismissive, often interrupting me to deliver her robotic canned speech. I understand the information must come from the credtitor/collection agency, and it has ... multiple times. I simply do not know what else to do at this point, so I am hopeful XXXX will take a CFPB complaint more seriously than that of her own customer ( I subscribe to Equifax monitoring ).
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OR)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 
Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 
Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. 
They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please DELETE the accounts, or inaccurate information, from my file immediately XX/XX/PPC604419XXXXXX UPGRADE INC 141497XXX UPGRADE INC 107571XXX SOFI BANK NATIONAL PL8727XX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

On XX/XX/2024, I made Equifax aware of the misleading and inaccurate collection account from XXXX XXXX XXXX alleging a debt in the amounts of {$3800.00} and {$1100.00} they are reporting on my credit report. Ive requested Equifax and the collection company to verify I owe such alleged debt, the date of first delinquency and that the debt is indeed valid. Ive disputed this account, and it has been well over 30 days for Equifax to investigate the disputed information and they have failed to verify the information. Per the law, 15 usc 1681i 5 ( A ) if the information can not be verified it MUST be deleted from my credit file immediately. By the law it is the consumer reporting agencies responsibility when preparing a credit report to assure maximum possible accuracy. Equifax has failed to maintain reasonable procedures and maintain 100 % accuracy in the information their reporting. Per 15 usc 1681e ( b ) Equifax Is in violation of FCRA and if they fail to comply and delete this information from my credit file, they must be held liable per 15 usc 1681n
Consumer complaint received 2017-03-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NC)

On XXXX I attempted to make a on line payment agreement but in error I made a payment and a payment arrangement for the amount ( {$350.00} ), got a receipt of the transaction an realized it was wrong immediately called XXXX and spoke to a representative who fixed the issue but did n't reverse the full payment of the above amount. It hit may account after I was told it was taken care of by XXXX associate who set up payment arrangement but did n't reverse charges of full payment. Wellsfargo allowed the payment process even after I called to stop payment stating it takes 10 business days for them to investigate in the mean time my account is in the negative. Contacted both my bank and the merchant with no return call from either company. During this time I was charged for insufficient fund for XXXX accounts XXXX, XXXX and XXXX which I should not be cause it was due to insufficient funds the bank caused my account but now each one has charge me {$35.00} a piece for insufficient funds which I did not cause and was in the allotted time under investigation. I was told by an agent that all charges would be reversed and handled due to this inconvenience to me but they are charging me {$100.00} for insufficient funds which I did not cause while under investigation. I am very dissatisfied with the out come and need to understand why it was not communicated to transaction department or in my file that my account was under investigation for XXXX and that any money coming into my account was not a part of the status that the bank caused ( a direct deposit was made from work on XXXX ) once I informed them that I needed those funds reversed back to the merchant.
Consumer complaint received 2017-03-01
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

We are negotiating to purchase a property in XXXX New Hampshire, USA. We live in XXXX, XXXX XXXX. Lender is HSBC International. With two weeks to go before closing, HSBC says the underwriter needs repairs performed on the home before they will close and transfer title. The seller, XXXX/XXXX says the house is being sold " as is '' ( Bank Owned, Foreclosure ) and will not allow repairs to take place prior to closing. Neither side will budge. HSBC gives us no time to secure alternative financing and we risk loosing this home and our deposit of {$5000.00}. We provided everything they asked for in a timely manner but HSBC has dragged their feet, not answering or returning phone calls or emails in a timely manner. We offered to HSBC for us to put funds for said repairs into escrow allowing them to be confident that said repairs would take place after closing but they refused this offer. We feel we have been deceived as we have been pre approved for the mortgage, are putting 30 % down and putting {$10000.00} into a HSBC bank account for the life of the loan. The value of the home as it sits is far greater than the amount we are borrowing. XXXX pre approved for {$70000.00}, financing circa {$55000.00} ) We are devastated that we and everyone involved have put so much time and effort into this transaction only for it to fall apart at the eleventh hour. We have escalated this with HSBC asking a manager to take our case back to the underwriters but feel that HSBC does not have a sense of urgency and are giving us the brush off. This is not the " World Class Service '' that HSBC advertises. This is an XXXX, we have fell in love with, and do n't want to loose it.
Consumer complaint received 2016-06-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Bull City Financial Solutions, Inc (FL)

Date of account is being reported falsely. The original debt dispute was never communicated with original creditor due to address changes and when I finally heard from anyone, it was already sold to a debt collection agency. The original debt was from XX/XX/2014 and although I offered to pay it in full if they removed it from my report, they refused to remove it. I then recently noticed that they keep changing the reported date, effectively keeping it perpetually active on my credit report which I know is illegal.
Consumer complaint received 2016-10-13
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: CURO Intermediate Holdings (CA)

Hello. I missed a payment with a company called SpeedyCash. I called them, apologized, and promised that I would pay them on my next payday. I asked them to stop calling me. In spite of my contacting them in good faith and my promise to pay, they have continued to call me even though I officially asked them to stop. I have written them a Cease and Desist request as well. -- -
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have a separate complaint filed with Equifax. 

XXXX XXXX, XXXX, XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX  opened on XX/XX/XXXX ( account number XXXX ) XXXX XXXX XXXX XXXX opened on XX/XX/XXXX ( account number XXXX ) XXXX XXXX XXXX XXXX opened on XX/XX/XXXX ( account number XXXX ) XXXX XXXX XXXX XXXX opened on XX/XX/XXXX ( account number XXXX ) XXXX XXXX XXXX XXXX opened on XX/XX/XXXX ( account number XXXX ) XXXX XXXX XXXX XXXX opened on XX/XX/XXXX ( account number XXXX ) XXXX XXXX  opened on XX/XX/XXXX ( account number XXXX ) XXXX XXXX  XXXX XX/XX/XXXX ( account number XXXXXXXX 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  ) These accounts have resulted in several fraudulent collections, late payments, and inaccurate information appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and late payments are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and late payments are the result of identity theft and fraud.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OR)

I am writing regarding fraudulent accounts and information associated with my identity that appear on my credit report. I am a confirmed victim of identity theft and have already filed official reports documenting this crime. These unauthorized entries were added without my knowledge or consent. 

The presence of this fraudulent information has : - Severely damaged my financial standing - Harmed my personal reputation - Caused significant emotional distress - Created ongoing financial hardship