davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
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. (FL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MO)

My home caught on fire XX/XX/2018. I filed an insurance claim with my insurance company and used the contractor that the insurance company recommended. My company required that the contractor complete some documents and submit contactors license. The mortgage company made two major mistakes. 1. Waived ( at the request of the contractor ) the requirement of the contractor to  provide a copy of their license, because they incorrectly thought my property was in Texas. 2. Released the first payment to the contractor without insuring that all documents were completed as required. As a result, this company has subcontracted out work to people that has failed to obtain permits prior to working on my home. This city issued request for the contractor to obtain permits for electrical, mechanical, and plumbing. The company applied for permits, but never completed the work. The permits have expired several times, my home has been broken into and copper piping stolen along with other damages. The windows were installed with gaps all around the edges, walls put up without complete insulation, siding is falling off of the house, heat damaged, broken concrete remains in the garage ( where fire started ), subfloors continue to weaken due to delamination, and the home is showing signs of mold. The insurance company has since dropped my insurance coverage and the contractor has not done any significant work on the home in almost one year. I can not obtain insurance on the home due to the open claim and incomplete work. I continue to pay utilities and mortgage on the home and had to pay to have a security system installed and pay for monitoring. My mortgage company refuses to release money from the claim and my city is calling me into court to answer to expired permits, incomplete construction, and code violations. I have been told that if the issues are not corrected, I will be fined and/or jailed.
Consumer complaint received 2024-08-27
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-23
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: SYNCHRONY FINANCIAL (OH)

I am writing to dispute XXXX XXXX/care credit, address ID Number XXXX, Ive reach out to the creditors but no answer from them The balance listed on the account is incorrect. Please the delete the account
Consumer complaint received 2018-06-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Re : Bank of America Home Loans for the account of XXXX XXXX Property Address XXXX XXXX XXXX XXXX XXXX NY XXXX. Phone XXXX BOA Account # XXXX For the last 3 months I have been working with Bank of America ( BOA ) to facilitate a Short sale on the property as referenced herein. They are a Jr. Lien and they are way upside down. The first mortgage is at least 200K over the property value. Therefore BOA as a second Jr. Lien they have no equity. 
In Bankruptcy court BOA would be considered an Unsecured creditor. My client has made numerous offers to pay as much as 5K to settle the Matter. In most cases like this BOA has just issued a satisfaction and just extinguish the money due knowing that if they went to Serifs sale or Bankruptcy they  would get XXXX. 
The problem is however that Bank of America did not process the submission as a short sale but as a loan Modification. It was not until XX/XX/XXXX that they recognized their mistake and sent me a letter to that effect and acknowledge and forwarded the short sale request to a specialist and promised an answer in 2 to 3 business days. ( See attached letter from BOA dated XX/XX/XXXX to confirm that fact. ) Since then I as well as my clients have heard nothing. On XX/XX/XXXX I made a phone call to BOA  Customer service. They told me that their was no short sale application pending or initiated However the loan modification application that we never submitted for had a missing document request and is still pending. The house is vacant and based on BOA underwriting that is the Number 1 reason to not do a loan modification and to do a Short Sale. Please help me in this matter to stop Bank of America from acting in bad faith and or to fine and sanction them or both for acting in bad faith and refusing to offer my client any kind of foreclosure alternative as a Short Sale. Thank you
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (TX)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment : 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 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (TX)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 2024-10-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (OK)

Many calls just XXXX after my payment was due. I erased those calls and my phone bill isn't in yet so i cant tell you those times. I swear its 12x a day!! They start at XXXX and call every hour if not XXXX minutes. When I learned that this was harassing and illegal and after I had already made arrangements for repayment and told that person by email to also stop the calling. They stopped for rest of day but started again. I just got another call and this time they are quiet not saying a word. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... ... this one they stayed silent after I said hello.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to Privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have right to privacy XXXX XXXX XXXX section XXXX A. Section XXXX : it states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (MS)

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2018-06-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On my XXXX XXXX ending in XXXX. Customer Service Representative promised to remove late fee on XX/XX/2016. I was looking to remove to a death in my family of unforeseen circumstances. I was told by the representative they would remove the late fee for being a loyal card member. They have yet to do so. Just looking to get this resolved.
Consumer complaint received 2018-06-23
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. (GA)

XXXX will not remove this inaccurate info ... XXXX XXXX {$1300.00} ... I settled this account ... 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2018-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (TX)

XX/XX/2018 submitted a dispute letter to the collection agency XXXX XXXX who has failed to validate the debt or ownership of the account ( original creditor XXXX XXXX XXXX ). After Midland had not updated to the 3 CB in over 6 months, XXXX XXXX XXXX reported a derogatory mark on my credit. The collection agency and the original creditor are claiming the debt, duplicate reporting for the same account. Midland has failed to verify they own the account and XXXX XXXX XXXX has closed/charged off the balance
Consumer complaint received 2018-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I was going over a copy of my report and seen it contained address and accounts that I do not recognize. I am requesting that you promptly update and delete addresses that I never resided and may possibly be family members address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 6 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. 
My current address is XXXX XXXX XXXX, XXXX, IL XXXX pleased delete the following address they are not mine : XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX my current and ONLY NUMBER IS ( XXXX ) XXXX I have never even had the following phone numbers please delete remove : ( 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 2024-09-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-08-27
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 lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these XXXX, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2020-08-03
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (GA)

We are going through financial hardship due to Covid-19 but still, I Made my Payment in full on XX/XX/2020. {$840.00} They never notified me of this action I was still charged with finance and late fees of {$18.00} spoke with the merchant. they saw what when wrong they waived the fees. And said they can't do anything about the Credit reporting. now I can not get a mortgage because of this mark on my credit and the company will not help me this very unfair situation.
Consumer complaint received 2020-06-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XX/XX/2020 my wife and I applied for a HELOC loan with Fifth Third Bank at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. Loan Number : XXXX. We met with XXXX XXXX filled out the application and were told they would contact us about the information they would need. 

The following week I received the request and got all my information together and personally handed it to XXXX, she then forwarded it to the loan officer in the home office in XXXX, OH. This is were things started to go wrong, they needed one more document from my insurance agent which was forwarded to XXXX the same day they asked. 

Shortly after this they start requesting the same documents that they already had, W2,  XXXX XXXX, etc. On XX/XX/XXXX, again I brought all the documents that their Loan Specialist, XXXX XXXX says were missing. The following week she asks for more copies of W2 's, this would have been the third time. I questioned what was happening with my information as I was worried about where it was going and who had access to it. I was told not to worry about it. After voicing my concerns I was told they could not find out anything in a timely maner because XXXX XXXX was working from home and she has no telephone! 

I called twice wanting to know what was going on, talked to XXXX first week of XXXX and also the local branch manager and she said she would call me back, but no call, it seems everything is up to MS XXXX who I think is the only bank executive in  American that does not have a PHONE! I was told this by three employees of the bank and I just don't think this would fly with the bank management. 

Fifth Third has had all the info they requested as of XX/XX/2020. As per ECOA guidelines I am entitled to an ruling on my application within thirty days. I feel because I questioned the security of my person information they have refused to process my application for a loan. 

Respectfully XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-19
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: Experian Information Solutions Inc. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$180.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX/XXXX XXXX {$85.00} XXXX   XXXX {$12000.00} XXXX XXXX XXXX XXXX {$87.00} XXXX XXXX   XXXX {$190.00} XXXX XXXX XXXX {$940.00}
Consumer complaint received 2020-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (FL)

For over 2 months I've been trying to resolve an account issue with TD Bank. Please refer to CFPB Complaint ID XXXX - XXXX filed on XX/XX/XXXX. After this complaint ( also submited to XXXX  ) I received a response from the Bank stating that they will proceed to release my funds after I let them know in which way. On XX/XX/XXXX I contacted Mrs XXXX XXXX at XXXX after trying for almost a week leaving messages and expecting a call back. At that time I agreed with Mrs XXXX that my funds for a total of $ XXXX.- would be inmediately released in a form of a check send to my physical address and the account permanently closed. Two weeks after this call and the promise that would take " only a couple of days '' I still waiting for my money. Phone calls made to this lady and messages left haven't took me anywhere. This funds are from my Social Security direct deposit and have placed me in a situation to where some of my debts been left unpaid and charges being accrued. At this time they have kept my money for over 40 days and I expect to be compensated for this disruption against my will and good faith. My closest Branch it's about 50 miles away and since my Account still holds the status of " frozen '' I'm unable to do anything else in my power to have what belongs to me. 
Truly hope that CFPB and XXXX  will help me disburse this Bank practices and prevent future potential clients from going through this unfair and truculent procedures.
Consumer complaint received 2024-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.