davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-15
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 am writing to file a formal complaint against Equifax due to unresolved inaccuracies on my credit report, specifically regarding a public record with reference number XXXX, filed on XXXX 

Equifax previously responded to my dispute with investigation results dated XXXX claiming the public record had been verified with " US BANKRUPTCY COURTXXXX. XXXX This assertion is entirely false, as the U.S. Bankruptcy Court XXXX XXXX XXXX Florida has explicitly stated on their website that " The Bankruptcy Court has no jurisdiction over credit reporting agencies. '' I am aware that Equifax receives public record information from a third-party vendor, XXXX. To support my claim, I requested a copy of my XXXX consumer disclosure report on XXXX XXXX XXXX and I have proof that no such public record is being reported to XXXX. Therefore, Equifax 's claims are unfounded and must be addressed. 

I am including the following documents as evidence : 1. A copy of the Table of Contents section of my XXXX report showing the absence of the reported public record. 
2. Equifax 's previous investigation results. 
3. The U.S. Bankruptcy Court XXXX XXXX XXXX Florida 's credit reporting policy stating their lack of jurisdiction over credit reporting agencies.
Consumer complaint received 2023-12-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (MI)

Synchrony bank repeatedly made calls in an attempt to collect a debt that violates the FDCPA. Each of the dates listed below were dates the debt collector called TWO times each day. This specifically violates the FDCPA ruling " More than seven times within a seven-day period '', as this was 8 times within the seven-day period. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Please contact Synchrony bank on my behalf and request that they review their collections tactics as it is coming across as harassment.
Consumer complaint received 2024-04-01
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Mr. Cooper Group Inc. (CA)

I have reached out multiple times to start the process to sell my home. I am selling to another XXXX XXXX service member with his own VA entitlement. I emailed the assumption department on XX/XX/XXXX at XXXX. I followed this up with another email on XX/XX/XXXX at XXXX. I am unable to reach anyone via phone and have only been able to successfully utilize the chat feature once. It is my suspicion Mr. Cooper is treating this as an administrative clerical matter rather than an actual application. I would like to maintain the deadlines as outlined in VA Circular XXXX dated XX/XX/2023.
Consumer complaint received 2024-04-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Mr. Cooper Group Inc. (CA)

I've had Home Mortgage Insurance with XXXX XXXX XXXX since XXXX. 
on XX/XX/XXXX I received a notice that my Policy will not be renew and that they will no longer be providing coverage in California for Homes, motorhomes, boats etc. 

I contact the insurance company they suggested that I shop around for coverage the descision was final. I then informed the Mortgage company Mr , Cooper to see how it would affect my account due to the sensitve timing before me. 
I was told that they maybe able to get coverage for me but it will be very expensive and to keep them informed as to when I find other coverage. 

My 1st stop was the California Department of XXXX XXXX. I filed a complaint there to request XXXX XXXX more time than initially allowed for cancelation. 

Then printed out a long telephone listing of local Insurance companie and start making calls A.S.A.P. The respons was, were no longer excepting members, were not under writing for th State of California, were only underwitting for home worth XXXX mil. plus in California, this went on for 2 hrs. as I became very frustated, I then went to the Brokes and Aent section on the CDI in hope that I could get some sort of assistance down that avenue. I made several calls to many in that section of the web sites. On the next day I received 1 call back from and Independent Insurance Agent XXXX XXXX in XXXX, CA. with XXXX. 

He got back to me with a quote I accepted it was the same a my previous policy form XXXX the vast difference was the dedutible which was {$500.00}. would now be {$2500.00}. 
he sent it to underwiting said it would be 3 weeks contact him yesterday he said it was denied. I called and left a message if we could speak on today got know respons. 

I email XXXX, XXXX XXXX office of email complaint this morning because the CDI never responed to my 1st. complaint as I made the 2nd on today, after taking the initial steps on what you should do on the website which was no very helpful. I feel the leeding problems is the list. We should have a list of who will accect home motgage inurance in california to eliminate all will not and stop waisting time, We all know, if you owe the bank a mortgage, you must have insurance so the questions remains the same. Where do you go and what can you do about getting coverage while stuck in a time sensitive matter and know one is responding. I paid this company faithfully for 23 years for this, money lost know coverage still oweing XXXX. this makes know since where the justice in this wrong doing to the people.
Consumer complaint received 2024-04-25
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. (NY)

An FTC identity theft report was immediately filed regarding the fraudulent reporting and unauthorized access to non-public-private information without my consent or the right to opt-out. The report number is XXXX. All communications shall be done through mail.
Consumer complaint received 2024-04-04
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: Experian Information Solutions Inc. (SC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2022-12-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC. (IL)

On or around XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX located on XXXX XXXX XXXX I got approved for financing through Exeter finance with a car note for {$700.00} The dealership pressed me for a down payment of around {$3500.00} which I paid unknowing that since I had already been approved for financing I didnt need to put down a down payment. This was the second vehicle I had purchased there within a years time time. In XXXX of XXXX purchased a new XXXX XXXX XXXX for my daughter and put down a {$2000.00} down payment as well, again I was approved for financing through XXXX XXXXXXXXnO will also add in both cases I was advised over the phone of my financial approval. I believe that this pressure for down payments were again my credit rights and violated truth in lending practice according to TILA 15 USC 1635 and 1662. I am feeling like I was taking advantage of because I was a woman. And I am asking that The dealership be held responsible and that these loans be remedied by them as a financial compensation to me and that I receive both car titles as paid in full. am also asking to be refunded the amount of my down payments for both vehicles.
Consumer complaint received 2024-04-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

Bank of America contacted me regarding suspicious charges on my credit card at XXXX. I informed them it was not me, at which point they issued new cards and said the charges would be refunded. One charge was refunded but the other 2 were not. When I received my statement I called again and they said they would add the other 2 charges to the claim. Another statement came and the charges were still on there. I called AGAIN and was assured it would be handled. Now they are showing me past due. I have impeccable credit. The balance on this account is comprised solely of the fraudulent charges. These 3 charges occurred early XXXX. They have had ample time to resolve this issue.
Consumer complaint received 2024-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (CA)

There is a debt alleged in the amount of XXXX or thereabouts from a company called XXXX XXXX which is now being handled by a debt collection agency Debt Recovery Solutions and was opened in XX/XX/XXXX by that company. This debt was alleged to have been opened in XXXX, which is a period of time I was a victim of identity theft and someone trying to use my accounts to launder money. I have filed multiple reports throughout the years to resolve this matter, including with the IRS, who has cleared me and shown me to be the victim of identity theft with someone using my name for loans and other money items. I have requested several times throughout the years for proof this debt to be mine, which I have always disputed. I was never in possession of that much money at any time. I have never been given any such proof. Now, again, I disputed this on my credit report and they found it to be valid. What part of identity theft does anyone not get?!?!
Consumer complaint received 2024-02-05
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. (OH)

Apon reviewing my consumer report from Equifax consumer reporting agency I noticed there was a Inquiry from a unknown & uwarranted company... I didn't recognize nor request for the C.R.A to place this inquiry on my consumer report. Equifax was not given permission written or verbally from me to place this derogatory Inquiry on consumer report. This inquiry is not attached to any open account and should be deleted immediately.
Consumer complaint received 2024-04-04
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: Experian Information Solutions Inc. (NY)

This item XXXX XXXX & the XXXX XXXX XXXXXXXX account credit Report is inaccuracies Payment history and last Date of activity and Balance are all incorrect Delete it from my credit Report Immediately
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

Dear CFPB Team, I am writing to formally dispute several unauthorized inquiries that have appeared on my credit report. After reviewing my credit report from XXXX, XXXX, and Experian, I noticed the following inquiries that I do not recognize and did not authorize : [ List of Inquiries ( include company names, dates of inquiry, etc. ) ] I request that these inquiries be removed from my credit reports as they were not authorized by me. To resolve this matter, I would appreciate it if you could investigate these inquiries and take the necessary steps to correct my reports with the credit reporting agencies.

Attached are copies of my credit reports showing the disputed inquiries, along with identification documents to verify my identity. Please let me know if any additional information is required to process my request.

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I first became aware of Citizen Bank around XXXX or XX/XX/2022, likely when I returned home briefly from college. Upon leaving home, I proactively contacted the bank while en route to my college campus, diligently explaining that the charges in question were not authorized by me. I underwent a comprehensive information-sharing process during that initial call. Following that interaction, there was a prolonged period of silence from the bank until around XXXX, when my grandmother informed me about a paper sent to our house regarding the same charges. Subsequently, I wrote a detailed letter to the company, reiterating the circumstances surrounding the unauthorized charges. 

Throughout the past year, I encountered several calls from debt collection agencies inquiring about the same charges. In each instance, I consistently provided them with the same explanation. Additionally, I received another letter later in the year, prompting me to respond in writing in XXXX. Despite these efforts, there was no substantial progress until a few weeks ago when a representative finally contacted me about the debt and sent a letter by mail to facilitate resolution. It is this recent development that has prompted me to file a formal report. Please consider the timeline, actions taken, and persistent efforts made on my part to rectify this situation when communicating with the involved companies.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I hope this letter finds you well. I am writing to address a concerning discrepancy in my credit report regarding late payments on my accounts. Upon reviewing my report, I noticed that late payments were inaccurately listed, which has had a negative impact on my credit score. I contacted the company associated with this account, and they acknowledged that there was an error on their end. They assured me that they would update and correct my accounts to reflect the accurate payment history. They explained that they sent the statement to the wrong address that caused the late payments to be incorrectly reported. I find it perplexing that your bureau continues to report these late payments when other credit bureaus have already corrected the status of the account. This raises questions about the verification process used by your bureau to ensure the accuracy of the information reported. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-16
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: Sarma (FL)

Remove XXXX Hard Inquiries, remove this is not my credit card XXXX  XXXX Reported on XX/XX/XXXX, remove all Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX XXXX  Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX XXXX  Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX EFX XXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX XXXX HARD Reported XX/XX/XXXX EFX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX PO # XXXX XXXX VA XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX  XXXX FL XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX - XXXX SERVICES XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX thank you for all your time and your help on removing these items off my credit report.
Consumer complaint received 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Paperwork is being sent to me via US Mail.

I believe XXXX of XXXX  has overcharged me by approximately {$1000.00} for XXXX, 2024, when I add up my purchases vs the total owed claimed by XXXX. 

XX/XX/XXXX -- I talked by phone to representatives who gave me confusing explanations. 

PREVIOUSLY -- I payed-off my credit card on XX/XX/XXXX by phone, based on what the comnputerized system told me I owed at that moment. The amount I payed was actually {$180.00} OVER that XX/XX/XXXX balance. 

According to the info the representatives gave me, there are around {$1900.00} of transactions in XXXX after that date, but XXXX claims I owe over {$2800.00}. 

The explanations seemed vague and unclear. 

I still believe XXXX is overcharging me.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-10-29
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. (NY)

In XXXX, XXXX and XX/XX/2021 I became extremely XXXX with XXXX. I was hospitalized in later XXXX to early XXXX, then on bed rest, Following my hospitalization I was on XXXX medications and weekly XXXX XXXX for my XXXX because I am XXXX. In XXXX I had a XXXXXXXX and my XXXX closed again. During this time I was unable to work, I was isolated and unable to pay my bills, leave the hospital or my home. I one point I cound n't even speak. Prior to this my payment history was stellar 100 %, Under the CARES act and due to the pandemic I should have been offered a solution or my credit history not reported late as I got caught up as soon as I could. I have made several attempts to reach out to all of my creditors, via complaints, calls, letters and filing online with little to no success.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/XXXX, I paid an early withdrawal penalty to access a {$36000.00} CD. It was transferred to my Capital One Savings Account. On XX/XX/XXXX, I attempted to transfer the funds out of my Capital One account. By trial and error, my withdrawal was limited to XXXX. I attempted again on XX/XX/XXXX to transfer as much as possible out of the bank. This time, I was limited to {$10000.00}. I continued to attempt to move my funds with no online guidance of limits. On XX/XX/XXXX, I was limited to {$5000.00}. I finally called a customer service rep and was told I was limited to {$25000.00} in transfers per calendar month. I attempted to move money out on XX/XX/XXXX and could not do so. Thus, I paid an early withdrawal penalty on my CD and can not access the money I paid a penalty to access.
Consumer complaint received 2024-04-04
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: Experian Information Solutions Inc. (MD)

Hello, I did not give expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : Please promptly remove this data within 4 business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance!

1. This Inquiry was not authorizeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX