davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is the several times I've complained about being a victim of identity theft. They must remove any accounts that were opened without my knowledge, consent, or authority within 4 business days. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCarthy, Burgess & Wolff, Inc. (FL)

I just called the company Mccarrthy burgess Wolff. And pretty rude woman responded asking me personal information right away. I politely denied giving any information more than the last XXXX of my ein number, email and phone number. She said on a recorded line that she assumed and she knew that if I didnt wanted to give any personal information was because the debt was mine and she didnt believe it was identity theft for the way I was speaking to her or to the company and that I must settle this account, without giving any other option to help a person that suffered identify theft. I explained that in XXXX the company names are public and anyone can see that information online, where she responded, well thats not my problem, you have to go for the person that opened this account and make them pay the debt.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (DE)

I feel as though XXXX is not doing a thorough investigation. They are letting these creditors report false information. Its hindering me from getting approved from anything. Also I think XXXX has a fraud alert still on my report despite me removing it. Because I cant upgrade my checking account, companys Like XXXX XXXX XXXX are denying me without reason. I disputed credit acceptance and affirm multiple times. For a long time. I provided every detail they needed from me. From police reports to documents sent directly from the companies. Every single time I dispute it remains the same. And Everytime I wonder are these companys paying XXXX off. My problem is with experian because XXXX and XXXX are not reporting. Also credit acceptance has a balance on my report that states {$11000.00} but how if they sold the car for {$500.00} and they want to settle for {$2300.00}. Thats incorrect and needs to be corrected.
Consumer complaint received 2023-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NY)

On XX/XX/XXXX I reached out to COLUMBIA DEBT RECOVERY and validation was requested for the collection account reported to my credit report in the amount of XXXX XXXX The collection has been reported as a past due balance. I contacted Columbia Debt Recovery to provide me with any business contracts we may have together. Moving forward now XX/XX/XXXX I reviewed my credit report again and the account continues to reflect on my credit report and I have not received any correspondence from the creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore I have reported this account as fraudulent. I do not know this company. I have never done business with this company. In accordance with the fair credit reporting act : COLUMBIA DEBT RECOVERY, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-06-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

In XX/XX/XXXX, I entered a modified agreement with Navient that included the following terms : XXXX ) Reduced principal balance XXXX ) I paid a {$1000.00} down payment. 
XXXX ) I agreed to allow Navient to debit {$100.00} from my bank account for 24 months. 
XXXX ) After 24 months, I had the option to discontinue the direct debit and continue paying {$100.00} per month until the loan was paid in full. 

In XX/XX/XXXX, Navient informed me that I could discontinue the direct debits because they received 24 months of direct debit payments as agreed. 
Afterward, I began paying XXXX via automatic monthly payments sent by XXXX  XXXX XXXX. 

I have not missed or paid late since the inception of the agreement in XX/XX/XXXX. 

However, after I ended the direct debit payments as agreed with Navient, the company began making harassing collection phone calls. 

Navient insists that my account is delinquent and has ruined my credit rating by reporting late payments every month for 7 years. 

I continue to pay {$100.00} per month as agreed and hope the XXXX can help resolve this problem with Navient.
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Upgrade, Inc. (NJ)

XX/XX/year>, XXXX PDT XXXX XXXXr , Thank you for choosing Upgrade! 

We are requesting documents related to the following Upgrade Card dispute ( s ) you initiated on XX/XX/year>. 


Date Merchant Name Transaction Amount Disputed Amount XX/XX/year> XXXX XXXX {$1800.00} {$1800.00} I disputed it and they rejected my claim and I did not do it
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I NEED THESE ACCOUNTS TO BE REVIEWED AND DELETED I CAN NOT HAVE THEM ON MY REPORT BECAUSE SOME OF THESE ACCOUNTS HAVE LATE PAYMENTS WHEN I HAVE NEVER PAID LATE XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX-Inquiry XXXXInquiry XXXX-Inquiry XXXX XXXX - Incorrect XXXX XXXX - Incorrect
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SIMMONS FIRST NATIONAL CORPORATION (MO)

My aunt sent me a check for {$5000.00}, my bank ( Simmons ) deposited and credited my account then after I spent the money on bills, they bounced the check then froze my account for 2 weeks, causing me to incur multiple late fees for all the bills I couldn't pay due to the fact that everything is done electronically now. When husband opened account at different bank I could not be added to it for those 2 weeks for something on my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I still don't understand that, as I never could find anything on XXXX If Simmons had called me about any issue w the account it could have been addressed and corrected but they chose to mail me a letter about the check. We noticed the bounce on our mobile banking app same day it happened. As my husband 's card was declined at a restaurant. Even after said issue was corrected they still froze account for 2 weeks. Then closed it, and again mailed us a letter and a check. The letter simply states we chose to close your account. If this is how banks do business I'm worried for our future.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To Whom It May Concern : I am writing to dispute for the XXXX time the following information that appears on my Transunion credit report as of XX/XX/XXXX ( XXXX dispute XX/XX/XXXX ) ( XXXX dispute XX/XX/XXXX ) : Tradeline # XXXX XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and has a balance of {$9800.00} with XXXX late payment delinquencies for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
I previously disputed this account with XXXX  XXXX directly online on XX/XX/XXXX with supporting documents regarding the late payment delinquencies reported during the year of XXXX.On XX/XX/XXXX, XXXX  XXXX submitted a response back in writing after their investigation indicating the following : There are no delinquencies reporting for the month ( s ) of ( XXXX XX/XX/XXXX ). Overall, XXXX XXXX failed and/or neglected to investigate the primary credit reporting concerns, which is a violation of the FCRA. However, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. Please send me proof of your previous investigations and proof of the negative payment status for this account or delete the negative information in this account. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. 
Also, since Transunion is limited to accepting uploaded files in a certain format, I have submitted the audio recording of my conversation with the furnisher/creditor XXXX  XXXX to the CEO XXXX XXXX via email, which supports my dispute and request for the late delinquencies for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to be removed.
Consumer complaint received 2024-01-31
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2024-04-30
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. (VA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: Specialized Loan Servicing Holdings LLC (GA)

I closed out on a HELOC with Lendage on XXXX XXXX XXXX Who in turn sold the loan to Achieve, Specialized Loan Services XXXX XXXX XXXX The amount of the LOC was {$54000.00} at a 12 % interest rate. They consistently emphasized my loan was 12 % APR, never did they say the daily per diem would continued to be assessed. I was told the per diem of {$17.00} - {$18.00} per day would be charged through XXXX day of of which my XXXX payment was made. However, in reviewing my loan statement on XXXX XX/XX/year>. I noticed I was still being charged per diem. 

My monthly payment is {$64000.00}. approximately {$140.00} XXXX goes to principle and approximately {$480.00} goes to finance charges *which are the daily per diem charges. 

on XXXX XX/XX/year>, I contacted Achieve, and spoke to the customer services member who explained because I have an opened ended line of credit, I'm subject to a continual per diem until the " close '' of the loan, meaning the maturity of the loan in XXXX. Apparently, because I can potentially withdraw for the available LOC, I'm being charged a per-diem even if I never withdraw any additional money. 

I informed her that I don't recalling signing anything that stated I agreed to the daily per diem charged. So, on XXXX XX/XX/year>, I filed a consumer complaint with the Colorado Attorney General, who in turn as provided guidance for me to file a complaint with this office as well. 

Therefore, I'm paying a 12 % interest on the original withdraw plus a daily per-diem for the life of the loan, because it is considered an open loan not closed. This is misleading representation and fraud. When they expressed " closed '' they led me to beleive the close was on XXXX XXXX XXXX as a XXXX veteran with a VA mortgage, I would have never agreed to these type of excessive fees on a monthly basis to place my mortgage under lean and risk. I feel these additional finance charges are illegal and usury. Request these excessive finance charges and daily per diem fees cease and any money I paid in excess to the original 12 % interest charge be refunded. 

I pray this company is fully investigated to ensure this is not a pattern and that other people are not affected by this company.
Consumer complaint received 2023-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/XXXX I purchased a XXXX XXXX lawn Mower from Walmart.com with my Capital One card. The lawn mower has a one year warranty through the manufacturer. 

On XX/XX/XXXX the main shaft of the lawn mower broke off and rendered useless. I at first called WalMart, who referred me to the manufacturer. I called the manufacturer and was told to call local authorized retailers. When I called the dealers, I either received no answer when calling or was told they are not authorized dealers. I called the manufacturer directly XXXX and was told they are not the manufacturer, even though they have the same address. ( I am including documentation to validate all this ). I have been going in circles between WalMart and the Manufacturer. 

I filed a dispute with my Credit card company Capital One on XX/XX/XXXX because Walmart and the Manufacturer were giving me the run around on a replacement, repair refund. On XX/XX/XXXX I submitted all the documentation of my attempts to reach someone who can resolve the issue of the broken lawn mower. 

On XX/XX/XXXX, Capital One told me the reason why they we closing the case was because I didn't have a 2nd opinion from on what to do about the issue. I sent them detailed documentation on my attempts to reach XXXX XXXX, XXXX, and Walmart. 

On XX/XX/XXXX I called Capital and spoke with a representative about sending in the documentation. He gave me the reason as not getting a 2nd opinion on the issue. I asked to speak with a supervisor, I was transferred to someone named XXXX. Our call lasted over an hour. 

During the call, with me and XXXX ( Supervisor for Capital One on the call ) called XXXX XXXX, who opened a ticket but told us there is nothing they can do as far as refunds, repairs, or exchanges and that we need to reach out to Walmart. 

XXXX ( supervisor for Capital One ) called Walmart and we talked with a representative about the issue and he transferred us to someone who never picked up the line and some how we ended up back in que with XXXX trying to select options trying to get a hold of someone. 

XXXX, witnessed, first hand, my attempt at getting some kind of resolution for the broken lawn mower. 

When she couldn't get a hold of anyone at Wal-mart she told me it is my responsibility to contact Walmart to resolve the issue. When this issue started I have contacted Walmart multiple times with them telling me I need to contact the Manufacturer and on the call today with XXXX, the manufacturer told us to call the retailer ( Walmart ). 

I am including all the documentation that I have compiled over the past month trying to get this resolved, all documentation was provided to Capital One for the dispute process.
Consumer complaint received 2023-07-12
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (AR)

False advertised bait and switch, farming for leads I believe is the deal. when I applied they denied due to credit score not qualifying Though they say I can be approved for a mortgage with a XXXX for a VA loan when you apply they deny it if under a XXXX score. Refused to review w underwriter as all my debts are clear less than 10 % XXXX and no current mortagage and 100 % equity in another home. Not one underwriter reviewed my application fairly nor did they follow their own advertising.
Consumer complaint received 2024-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FIRST PORTFOLIO SERVICING INC (OH)

this company is reporting fraudulent inaccurate information on my credit report. 
I have requested that they prove the purchase agreement to show full ownership of such accounts and also other documents so i may review to see if this is actually an account that belongs to me.
Consumer complaint received 2023-05-04
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 can not get access to my Transunion account, even after speaking to multiple customer service agents and a supervisor. They keep saying their is fraud, which I know, because I put a man in prison for stealing my identity. Every time I try to talk to the correct person, they either hangup, or just put me back into the same customer service queue.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XXXX XXXX XXXXXX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date.

Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX