davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-30
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Go Capital Holdings, LLC (FL)

I had purchased a auto from at the time a company called go financial I took possession of the car XX/XX/XXXX the car was repossessed on may XXXX. These company during the process was very deceptive with the terms i have been disputing this auto with Go financial since XXXX they refuse to remove the item from my consumer reports which is illegal. If you check my reports now they have my car being taken repossessed in XX/XX/XXXX, but XX/XX/XXXX the company list the car as charge off. They never shared any information with my after car was sent to be sold. The company now is bridgecrest. This company is violating many of my rights as a consumer, and has stopped me from being able to have a fair consumer report. Before the repo i had a deferment with company, and still was repossessed the abusive practices that were used during the duration of our consumer credit transaction are illegal to share my information with other consumer reporting agencies is in infringement of my privacy. I am so upset as a consumer to know that these practices actually take place everyday with hard working consumers i demand that this company takes action immediately and remove this auto from report. I am the original creditor that extended the credit to this corporation to make this process possible there are many federal laws that i was use to make sure that justice is served pursuant to 15 usc 1681a ( 2 ) ( b ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device " should be excluded from all consumer reports. My Credit card as a consumer is my social security number that i used to make this transaction. I demand that this company remove this account from my account, and compensate me for the violations. for violating my privacy, and most important for the unethical practices.
Consumer complaint received 2021-03-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (MI)

On XX/XX/20, I inadvertently sent {$600.00} to XXXX XXXX via Cash App. Immediately upon realizing what happened, I contacted Cash App to inform them of this error and to request a refund. I was told by the representative on XX/XX/20 that Cash App is unable to cancel or refund payments once sent to the recipient, but was informed I could request my funds back by submitting a refund request. Upon performing this action, XXXX XXXX denied my refund request ( document attached ). 

As a company, Cash App should have safeguards in place for those who make errors using its system. In addition, I was told " goods and services '' were received in full. However, this is also incorrect - no proof was sent by Cash App to support this erroneous claim ( document attached ).
Consumer complaint received 2021-03-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

I have been a Bank of America Customer for 15+ years. I made a mobile deposit of a check in the amount of {$10000.00}, check number XXXX, from XXXX XXXX XXXX to my Bank of America savings account ( last four is XXXX ) on XX/XX/XXXX. Within 5 minutes time a hold was placed with a message " Total amount delayed, available XX/XX/XXXX at XXXX XXXX  CT. '' My wife and I are busy professionals with children. We work as XXXX  who have, like many, risked our lives this past year. We never ask for special treatment, only to be treated with fairness and dignity. Bank XXXXf American has treated us with indifference and, frankly, by doing so with disdain. 

We took out an IRA distribution from XXXX XXXX, {$10000.00} to pay for needed medical care for a family member, which had to be paid by XX/XX/XXXX. The check is from a major financial institution - XXXX XXXX. There is absolutely no valid reason for Bank of America to hold these funds. I was informed by the telephone service rep " The deposit is too fresh '' and advised to call again the next day. This is after waiting 35 minutes to speak with her the first time. Now I should cancel patients and dedicate what? ... .an hour to try to mitigate this? Unlike Bank of America, I do not treat others with indifference and disdain - either passively or actively. 

B of A never seems to fail to capitalize on an opportunity let people down when there are in a time of need. I should have predicted this situation. In this manner, I hold some culpability. I plan to share this story with all my colleagues in the XXXX  and XXXX XXXX  I hold a XXXX  position with. If I practiced XXXX  the way Bank of America 'practices ' its banking profession, I would lose my license and likely be prosecuted.
Consumer complaint received 2021-03-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 45 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. Do not send me no automate message I need this stuff fixed.
Consumer complaint received 2021-03-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 I submitted a dispute regarding incorrect information on my credit report. It has been over 70 days and have not had any communication about the results.
Consumer complaint received 2021-03-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (MA)

Last XX/XX/2020 covid-19 hit and I was furlough from my position. I received a late payment of 30 days in XX/XX/2020, XX/XX/2020 - 60 days and XX/XX/2020, I explain to them that at this time I was not working and my unemployment hadn't started. Covid-19 was a nationwide impact on everyone. I work for this company for 10years and I've also been a loyal customer. I encounter hardship during a nationwide pandemic and they are stating there is nothing they can due for me. I also stated that I contacted them in XXXX to help with payment assistant and the representative did not sign me up and I called back in XXXX when I notice that I had late fee ... they removed all the late fees and credit me back but still report to the credit bureau of my late payments. Since then I have been on time with all my payments and they have also upgraded me to a black card/loyal customer. Covid-19 had a big affect on me and my living situation like a lot of people and I just want help resolving this issue, I think it is unfair that they are not taken in to consideration of covid-19.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (TX)

So basically the week of XX/XX/21 I called Navient and asked how can I get late payments from XXXX XXXX off of my credit report. I was told by a rep that I could write a goodwill letter to be considered. It was after a letter I recieved XX/XX/21 they told me that they don't accept goodwill letters for removing late payments at all. This pretty much means I put in time and effort to write a letter to them that had no meaning. My argument was why would a rep tell me to write a goodwill letter when in fact I have no chance at getting them removed whatsoever. I felt like this was extremely deceptive and/or the rep didn't know their actual policies. Maybe it was just to get me off the phone but I feel as though if a rep from a government agency doesn't know their policies, this is extremely negligent on Navients ' part because they service billions of dollars worth of loans nationwide. I proceeded to email their top officers ( including their XXXX & XXXX XXXX to address this issue and it still wasn't resolved even though the rep that reached out to me ( XXXX XXXX XXXX and confirmed that the rep didn't " clarify '' they can't accept goodwill letters. This is a problem because as a consumer I have the right to know what and what isn't accepted by their company. Before I wrote the letter, the rep should have told me they letter would mean nothing. 

After that didn't work I disputed my XXXX XXXX and XXXX collection entirely because the information across all three bureaus don't match up correctly XXXX XXXX percent. The date opened, date reported, balance owed, last payment, and date of last active are all different across all three bureaus. I check my credit report religiously and disputed these discrepancies with all three bureaus and they have failed to remove them due to these inaccuracies. I've done a lot of research and I feel as though I'm doing everything right and they are failing to remove these inaccuracies. 

I and currently at XXXX, XXXX, and XXXX respectively. These inaccuracies on my credit report are preventing me from doing so many things its ridiculous. I'm asking you all to fully investigate this matter and have all data that is inaccurately reported removed immediately.
Consumer complaint received 2021-03-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery is the name of the company. I have no idea who this company is. This company calls my phone multiple times a day everyday all week constantly. The company never leaves messages nor voicemails just constantly ringing my phone from hundreds of different numbers but they all show on my caller ID as Portfolio Recovery. This is harassment now. I'm tired and I have tried all kinds of blocking services but somehow they still get pass the blocking and call from multiple numbers. The last call was today at XXXX pm and the telephone number was XXXX. Please help stop the annoying calls. Thank you.
Consumer complaint received 2021-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: HSBC NORTH AMERICA HOLDINGS INC. (OR)

I believe that HSBC lowered my credit line. They have not issued any letter or calls stating this. They have the absolute worst online site. You cant see your limit except for the last statement which show {$2500.00}. So I was buying something small and last I knew had XXXX or more available and I was declined. I looked at my statements and my credit score hasnt change much in fact has got better. Ive never missed a payment. What they are doing is Wrong!
Consumer complaint received 2021-03-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DHI Mortgage Company (FL)

DHI Mortgage : company NMLS # XXXX, Branch NMLS # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX This bank has been made the process extremely difficult and abusive. Ive provided XXXX, mortgages, XXXX fees, bank statements, paychecks, property management paperwork for precious properties. I am placing more than 50 % down on a home that XXXX. My XXXX XXXX XXXX was on extension. They required a letter asking why? I got my accountant involved but they did not want to have a conversation as to what they required beyond Proof of extention. My accountant worked over the weekend to complete the extension and they are requesting a transaction # that the govt accepted it. They want me to resend all the paperwork I sent the previous month to this month because XXXX info is now considered outdated. They still require a letter as to why I needed an extension. After I uploaded more information this past weekend ( XX/XX/XXXX ) and speaking with the XXXX  XXXX this same day as to what is ADDITIONALLY required, I received an email from the bank that I have not been in contact with them and That Ill be in default within the next XXXX where they want to keep my XXXX deposit. What course of action do I have?
Consumer complaint received 2021-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WA)

We enrolled in automatic payments with Macys several years ago. The payments are automatically processed through their system and taken directly out of our checking account. We discovered that Macys was taking our payment out 1 day after the payment dates, and then charging us a {$40.00} late fee every month. We attempted to get them to correct this error and they were only willing to credit back 3 months of the fee. Additionally, they did not take out automatic payments for two months, they can not explain why this happened, but they reported it on our credit report as being 60 days late, then magically started taking automatic payments out again. They have refused to correct this on our credit report saying it was our error, yet they are not able to provide us with anything that shows why the automatic payments stopped.
Consumer complaint received 2021-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (MT)

I began the mortgage refinance process with Amerisave on XX/XX/XXXX. After multiple requests for additional documents and two closing dates rescheduled due to Amerisave 's lack of paperwork to the title agent, I finally closed the refinance on XX/XX/XXXX. The Closing Disclosure issued at this closing still had the {$670.00} prepaid cost for the appraisal in the incorrect column, showing " Borrower-Paid at Closing '' when it should have been in the " Borrower-Paid Before Closing ''. I did not want to delay the refinance any further, and Amerisave Loan Originator XXXX XXXX assured me this was an easy fix after the closing ; the {$670.00} prepaid Appraisal Fee would be reimbursed to me in a separate transaction since it would not be in the " cash to close to borrower '' disbursement from the XX/XX/XXXX closing. 

A revised Closing Disclosure was issued by Amerisave on XX/XX/XXXX with the prepaids in the correct columns, and I assumed a check would be coming in the mail. 

Several more emails and voicemails were sent to XXXX XXXX asking for an update, or for another person to contact regarding the {$670.00} reimbursement for the appraisal. A response from XXXX XXXX on XX/XX/XXXX indicated he " sent my emails over to management as well as all parties involved in the closing will update you soon as I am able and will get you a point of contact with someone else besides me so you can speak with someone in another department as well. Be in touch soon! ". 

An email was sent to me on XX/XX/XXXX by XXXX XXXX of XXXX, the closing company, asking for signatures on another Closing Disclosure form, showing the prepaid appraisal in the correct column. The email stated " Lender needs this final CD signed. '' The Closing Disclosure was signed and returned on XX/XX/XXXX. Again, I assumed this would trigger a refund of the prepaid {$670.00}. 

I sent an email to XXXX on XX/XX/XXXX asking if there was any progress on the money owed to me. No response. 

Today is XX/XX/XXXX and I still have not received the {$670.00}.
Consumer complaint received 2021-03-30
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. (CA)

There are 5 accounts that are appearing on my credit report that are not mine I have been mailing disputes to the bureaus and the furnishers saying these are not mine because I have not signed or used or accepted any of these charges or cards. 
The accounts are : XXXX  XXXX XXXX - Acct # XXXX XXXX {$3700.00} XXXX  XXXX XXXX - Acct # XXXX XXXX {$11000.00} XXXX XXXX XXXX - Acct # XXXX XXXX {$7300.00} XXXX CARD- Acct # XXXX XXXX {$6600.00} XXXX CARD- Acct # XXXX {$9.00}
Consumer complaint received 2021-03-27
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. (OH)

The following accounts listed are fraud and I never did any business with these companies OR contracts : XXXX BANK XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX / XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX. OF EDUCATION/GL # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX COMPAN # XXXX, XXXX XXXX  COMPAN # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXXT # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX  # XXXX.
Consumer complaint received 2021-03-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2021-03-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (NC)

Midland Credit Management XXXX & XXXX ( used a law firm named : XXXX XXXX XXXX ) and sued me and received a judgement for an account that was included in a Police report because that account and amount were fraudulently opened. Amount on record is XXXX!! I forwarded the companies both of them repeated copies of the Police Report # XXXX. Both companies have harassed me contacting me and being very rude. They will not tell me yes they received the information! They went to court and placed a Judgement on my personal credit!! I have the police report that NOTATES this account is FRAUD. I NEED help, because XXXX & XXXX and XXXX will not remove this collection account even after I sent in the official police report! Please help me I just tried to contact All bureaus but they will not remove this collection / judgement accounts from my credit. How can they legally sue me for something already been proven as Fraud??
Consumer complaint received 2021-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: D.B.F. COLLECTION CORP. (MA)

I am complaining cause DBF collect is reporting a collection on my credit report on behalf of XXXX XXXX. This was a result of someone stealing my identity I have filed a police report with my local police department. I tried to contact DBF collect but to no avail been able to resolve this matter. I am attaching a copy of my police report
Consumer complaint received 2021-03-29
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: Experian Information Solutions Inc. (NJ)

this company have pull up my credit report hard pull without me knowing on XX/XX/2021 i asking them to clear my credit report by sending a deletion letter to all 3 credit reports because i never request anything related to them if someone did it it is not me that fraud i call them on the phone they refuse to delete it saying they can not do because there are not sure i am the real me i call them four time they told me that i have to contact experian but experian asking me to call them i have enough LAST TIME THEY RESPOND AND SAID THAT IT IS NOT THEM THIS THEY ADRESS AND PHONE NUMBER AS IT IS ON MY REPORT Contact info XXXX XXXXXXXX XXXX XXXX XXXX  NY XXXX ( XXXX ) XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XXXX XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, a credit card account opened with Self Financial/Lead Bank on XX/XX/XXXX, and an real estate loan opened with XXXX XXXX XXXX XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello, my name is XXXX XXXX, and I am submitting this complaint/dispute without error or any influence from any third-party agency. Please see the following attached documentation below and meet my requests as soon as possible. Thank you for your timely compliance!