davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-25
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$7600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX* Balance Owed XXXX {$1800.00} XXXXXXXX XXXX Balance Owed : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$2000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (NJ)

My mortgage application fell through because of this company 's negligence and incompetence. Their loan process, where multiple people sends and asks information online ( repetitive often times ), and ignore customer 's comments and questions. Few days to closing, this company stated their concern about the source of my funds and had to decline my application unless my wife is included in the loan. This is three days  before closing! The funds source was mentioned early on the application and I have been transparent with them and responds on time. If they actually paid attention to details and did their due diligence, it would not have reached this point. The customer is at the losing end and this company should be at fault and be held responsible. The manager and  the customer representative, XXXX XXXX and XXXX XXXX, were not as apologetic as they should be. 

I should have taken seriously the complaints against this company by numerous customers as seen in different review websites so I would have not been a victim myself. 

Consumers should be warned not to do business with this company and the government should also take a close look/investigate as to how this company do business.
Consumer complaint received 2022-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. ()

I do have few ongoing loans. 
I closed most of the account 3 and 6 months before. 
But still my report is not getting updated in Equifax report for more than 6 months. 
As per rule, It should be updated in 30-45 days. 
But for me still not updated. 
Because of this my credit score getting impacted. 
How can I take the responsibility of this when the issue from Equifax side. 
I am sending repeated follow-ups and mails to Equifax for more than ten days. 
I attached my loan account details and its closed dates also as per XXXX  XXXX 
But still there is no positive response from them. 
How these details are reported on time in XXXX XXXX but not in others? 
Please look over this issue. 
I attached my Latest Equifax report and mail content sent to them.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-17
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 am writing regarding my credit report, which contains inaccuracies that require your attention. My basis for disputing these accounts are the lack of sufficient information provided by your agency to verify the debt in question. Both XXXX and XXXX, other credit bureaus, have already corrected the inaccuracies in these accounts on their records due to identified errors. I find it perplexing that your agency has verified these accounts while the other bureaus have updated them. Therefore, I request that you rectify these accounts in my credit file as they are inaccurate, erroneous, incomplete, or unverifiable. 



Specifically, I dispute these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-21
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. (NY)

Incorrect addresses I have disputed this address for last year and a half with credit bureaus alerting them that this is and was never my address. They keep coming back saying its verified and that can absolutely not be correct. They have no other reasoning. 
This address is inexplicable on my report and its clearly an indication of fraud.
Consumer complaint received 2023-05-01
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. (FL)

I submitted a letter to the Credit Bureaus to delete this erroneous account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. this was already included in my prior complaint and I'm including it again. 

XXXX XXXXXXXX
Consumer complaint received 2023-08-18
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. (TX)

I am a victim of Identity Theft and am being harassed by collection agencies constantly calling me. The following information is what I found on my credit report that is not mine! 

XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$3500.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$2100.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$2800.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$3100.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$1700.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$1700.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$350.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$830.00} XX/XX/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 2024-07-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (VT)

Comenity bank excessive calls upwards of XXXX to XXXX times a XXXX  yes I had the money to pay the account I had to wait for checks to come because I couldn't find an app to pay through but then they got extremely excessive and they keep calling my mom even on the XXXX of XXXX and they keep accusing her of being me and that she is lieing for note I do not live with her she is in her XXXX and is getting excessive calls from them too and it's quite upsetting for her I want them to stop and at this point I want to sue to remove it from my credit and have it show paid in full or I will get a lawyer for the harassment it's beyond anything that should be legal but doing what they are doing to my mom is most upsetting
Consumer complaint received 2024-04-17
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. (PA)

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 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please investigate the listed items and correct all errors. 

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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc. (GA)

This is my second complaint against Avant and involves the same issue. My complaint was settled as XX/XX/XXXX, and had a balance of XXXX XXXXXXXX- I received a statement saying that I still owe them {$760.00} Previously Avant said that due to a system processing issue and when I paid the settlement, Avants system erroneously activated a previously offered payment modification plan that's why a received a billing statement. 

I take this as harassment on Avants part, this is disturbing since this time is not a system processing issue. After calling Avant 3 times this and explaining the issue I was left on hold the 3 times and after waiting almost 45 minutes on hold no one came back to the phone. I received the following email from Avant today XX/XX/XXXXXXXX  and its reads as follows : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Dear XXXX, Your AvantCard Modification Payment Plan has been terminated due to one of the following reasons : Your lock-in payment was not received by the due date or has returned A payment made prior to plan enrollment has returned A request to terminate your plan was submitted A past transaction posted to your account We received notice you have filed for bankruptcy Going forward, unless you have filed for bankruptcy : Your minimum payment due will be calculated in accordance with the method described in your Cardmember Agreement Your account will accrue interest Your account will receive late fees for any delinquency you incur Your account will receive annual fees Any missed minimum payments will increment your account 's delinquency and collections activity will resume Although this plan is terminated, your account may still be eligible for other plans. Please call us at XXXX to check your eligibility. Approval for future plans is contingent on the conditions of your account and is not guaranteed. 

Thank you for being an Avant customer. 

Regards, The Avant Team -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I no longer have time or energy to deal with Avant human errors. I understand that we don't live in a perfect world, but this is now plain harassment on their part and there will be some consequences for the constantly mistakes on their part. 

I am asking to stop the letters, statements, emails as it's only a great fiasco. I have never been treated so shabbily by any institution. 
There will be a monetary consequence if this human error is not corrected in less than 15 days. A fee, charge against Avant for the amount of {$2500.00} due immediately. 

I am a XXXXXXXX XXXX and the harassment from Avant is causing distress, XXXX XXXX XXXX. I am now filing a complaint once more with the search for legal action and will request to double the monetary consequence.
Consumer complaint received 2024-07-02
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I disputed a charge for {$67.00} for a transaction I made. I never received the digital goods, and after a month of requesting a dispute, the bank CapitalOne denied it in the seller 's favor, even though I never received the product. They refuse to provide additional information or a solution.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I disputed with Equifax these accounts do not belong to me. 


XXXX ) XXXX XXXX ( CLOSED ) Account Number XXXX XXXX Reported Balance {$220.00} Account Status NOT_MORE_THAN_FOUR_PAYMENTS_PAST_DUE Available Credit XXXX ) Collection Agency XXXX XXXX XXXX Balance Date XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX INDIVIDUAL_ACCOUNT Date Assigned XXXX XXXX XXXX  Account Number XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  ( CLOSED ) Account Number XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( CLOSED ) Account Number XXXX XXXX Reported Balance {$0.00} XXXX XXXX XXXX XXXX  ( CLOSED ) Account Number XXXX XXXX Reported Balance {$0.00}
Consumer complaint received 2024-07-17
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NY)

I've had this credit card for no less than 5yrs. ( XXXX or XXXX when granted use of the card ) For the entire time I had this card I missed ( not one ) monthly payment. 
When inflation started, I started taking stock of my spending and noticed that the principal of this card wasn't going down. I looked at my billing statement and realized that the I was being charged two different rates ( XXXX & XXXX ) in order to calculate my monthly payment. 
The structure of the bill was too ambiguous to interpret so I call to get clarity and I could not get a straight answer after speaking with two representatives. 
So, I am at a loss. Also, I kept getting a credit increase periodically and I never requested any increase, yet the increases kept coming. On the billing statement there is no posting of the original credit card rate. 
There is no clear policy on how much interest it charged? So, I would like to know what the actual rate was to be. I could not figure it out.
Consumer complaint received 2024-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have a loan through Bank of America and have paid on it for 220 months out of XXXX total. I have never missed a payment. The original amount was {$99000.00} and the balance is {$70000.00}, meaning I am at a 70 % of loan value, significantly under the 78 %. I have repeatedly requested that the PMI be canceled. The bank initial said that there was a mandated time that the PMI had to remain per contract, even though the loan-to-value was under 78 %. Now that the time period has elapsed, the bank says that I must pay them to pay for an appraisal before they will cancel. Under this theory, the bank will NEVER be required to cancel the PMI. While I understand that informal valuations are not permitted, a XXXX estimate is {$140000.00}. It is disingenuous to hold the position that the loan-to-value on this mortgage is somehow less than 78 %. The bank should have to prove that the actual value of the house has decreased under $ XXXX which was the original mortgage. 

In summary 1. The PMI should have been canceled per the amount of time requiring it has passed 2. The current balance of $ XXXX is 70 % of the original mortgage XXXX. The current balance of $ XXXX is less than the actual value of the home.
Consumer complaint received 2024-05-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

Only received information from credit bureau saying they updated my credit file ... ... first creditor included debt with Internal Revenue Service, so they are double dipping, because they then come back and SELL the DEBT .... something is not right with this process, I'm not rich, I'm XXXX XXXX with XXXX on a fixed income.. I've had XXXX caregivers with the last XXXX yrs someone used my information I filed police report, but I can't find it since I moved..these companies are getting rich off the poor
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AR)

Subject : Formal Complaint Regarding Inaccurate Reporting of Bankruptcy by Major Credit Bureaus Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint regarding the inaccurate reporting of a bankruptcy on my credit report by the major credit bureaus. Both the credit bureaus and the courts have provided conflicting information regarding the status of this bankruptcy, leading to unnecessary confusion and damage to my credit profile. 

The credit bureaus have stated that the court confirmed the bankruptcy, but upon further investigation and correspondence with the courts, I have found that this information is incorrect. The courts have denied any confirmation of the bankruptcy in question. 

Furthermore, despite my requests, the major credit bureaus have failed to provide adequate proof or documentation to substantiate their claim of the confirmed bankruptcy. As a result, this misinformation is unjustly impacting my credit score and financial standing.

I kindly request that the major credit bureaus promptly remove the inaccurate bankruptcy information from my credit report. This misleading data is causing me undue distress and hindering my ability to access fair and accurate credit opportunities. 

I trust that the CFPB will investigate this matter thoroughly and ensure that the major credit bureaus rectify this error in a timely manner. Your assistance in resolving this issue would be greatly appreciated. 

Thank you for your attention to this matter. 

Sincerely, XXXX
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
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. (GA)

Company reporting inaccurate information on my consumer credit file. Making it extremely difficult to obtain the necessary essentials. It is the responsibility of the consumer credit agencies to provide information that is fair and equitable to me, the consumer. Per 15 usc 1681a Acurracy and fairness of credit reporting.

Also it is in the Privacy Act of 1974 that state it is the duty of the company to provide disclosure to the individual, obtain written consent before reporting inaccurate and any information.
Consumer complaint received 2024-04-30
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. (TX)

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NY)

The XXXX visa gift card was purchased from XXXX on XX/XX/22. The card will not work for any purchases. Attempted to rectify this with the company on XX/XX/22. I was on hold for 34 minutes the first time before I was told that the card number needed to start with a 1 and then hung up on. I called back, spoke with XXXX- I provided the card number which he stated he could see, asked my full name, and proceeded to ask if he could place me on a brief 2-4 minute hold, I replied yes and after - I was placed on hold for another 34 minutes, at which time I was hung up on. I called back again and spoke with XXXX who stated initially he could not find my card number in the system. Then XXXX provided me with a case ID number of XXXX and said to expect an email. An email was never received.