davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MO)

i have a n item on my experian credit report for XXXX from XXXX XXXX XXXX. for a debt when i call nobody including me knows what it is for. I have requested the info and it be removed over and over i get nothing and experian says they instigated and found it to be legit. But even when i call the experian people dont understand why it is there. All i know is i don't know what the amount is for. They say its because didn't give notice but i did, I moved out later XXXX, and told them why. I am only told i owed like XXXX and the y applied my deposit to it and for stuff that i wasn't even there anymore. if its legit fine but i can not get anything saying what its for and if i cant experian cant so how can it be on my creditor report its bs.
Consumer complaint received 2018-11-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was involved in a car accident on XXXX. My car was a total loss. I contacted Capital One Auto right away. The balance remaining at date of loss was {$16000.00}. The Insurance Company sent a payment of {$11000.00} on XXXX, the value of the vehicle .Capital One held the payment until XXXX. I called everyday, and was told there was no payment. The Gap Insurance sent a payment of {$4300.00} on XXXX. Capital One did not process that payment until XXXX. Now, I am told I have a balance. I do not wish to pay the balance. Capital One, held the payments to charge me additional interest and fees .. Capital One states balance of {$260.00}. PLEASE HELP.
Consumer complaint received 2024-01-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (CA)

I hope this letter finds you well. I am writing to address and request the immediate correction/removal of late payments on my credit report. After reviewing my credit report, I noticed inaccuracies that are adversely affecting my credit standing. 

The late payments in question are associated with the following accounts : DISCOVER BANK XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or DISCOVER BANK customer service representative. 

I understand the importance of accurate credit reporting, and I am committed to ensuring the integrity of my credit history. I have thoroughly reviewed my financial records, and I am confident that these late payments are inaccurately reported. I kindly request that you investigate and correct these errors promptly. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a thorough and reasonable investigation into these disputed entries within the legally mandated 30-day period. Please remove or correct any inaccurate information on my credit report and provide me with written confirmation of the changes made. 

I have enclosed copies of relevant supporting documentation, including bank statements or payment records, to substantiate my claim. I trust that these documents will assist you in expediting the resolution process. 

Your prompt attention to this matter is greatly appreciated. I kindly request that you notify me in writing once the investigation is complete and the necessary corrections have been made to my credit report. 

If there are any additional steps or information required from my end, please do not hesitate to contact me. Thank you for your prompt assistance in resolving this matter.
Consumer complaint received 2021-02-19
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. (NY)

I am a victim of identity theft. I was getting emails from my credit monitoring services regarding new inquiries that I never authorized. I tried resolving this with the bureaus directly but they were all giving me such a hard time. I decided to take the matters into my own hands and submit an ID Theft report XXXX # XXXX XXXX These bureaus aren't doing their jobs and it is unfair that they seem to push my issue t the side or have me go through extra precautions for something that they can simply help me with. Please help me get these inquiries removed from my credit report before this gets any worse.
Consumer complaint received 2024-02-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

My Paypal account was the subject of a fraud purchase. Two payments were made to addresses that I have never lived at from my account. I followed all of the security steps to changes passwords, etc., from Paypal and also opened a claim to get my money refunded. Paypal closed my claim saying that it is NOT fraud and can not refund me. I have removed my bank account information from paypal as well for security. I did not make these purchases.
Consumer complaint received 2024-04-16
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I have received 6 emails from two Experian representatives. 

XXXX XX/XX/XXXX XXXX Experian smart money digital checking account with {$1000.00} offer XX/XX/XXXX XXXX New Credit card offer XX/XX/XXXX XXXX balance ( {$960.00} ) transfer offer to a new card Due to the nature of credit report company, thy company must know the customer 's monthly payment ; therefore, I need to ask which month of credit card owing amount you mentioned here. I have checked the credit report from XXXX at this moment, and unable to find out any month in which I was charged {$960.00} for more than 2 years. Kindly, would you explain this discrepancy with another major credit report company in the United States, as another major credit report company, Experian. 

XX/XX/XXXX XXXX view full credit profile, which usually ended up to the credit card offer site XXXX XXXX credit report, which is same. I requested to send the formal printed out report, if this office and other office continues to change the content. Just give me the printed one as their evidences, compare the contents, and disputes.

I attached the screen shot of one email which this office says the important information. There are two issues. I continued to send the printout to the office, XXXX XXXX XXXXXXXX, XXXX, TX XXXX, the copies of social security number and driver 's license, same as other credit reports companies. I realized this addressed Experian office asked me the removal of my name from pre-approved credit offer mailing lists. This office sent me another postcard yesterday. In total, this office sent same postcards, which scanned and attached at least four times. In email from above-mentioned which starting from 'dispute ' asked me to submit my personal identity proof and address proof, such as " One copy of a utility bill, bank or insurance statement, etc., '' which I have never asked to be submit by other credit union companies, except recently received credit card offer company, XXXX.
Consumer complaint received 2024-01-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (NC)

I simply requested statements from the loan servicer, BMO Bank. They refused to provide statements, saying that they are not required to provide statements by mail, or electronically. I can not give my information to my accountant because the loaning bank refuses to give me statements on my account.
Consumer complaint received 2024-01-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SAN DIEGO COUNTY CREDIT UNION (CA)

I have a car loan with XXXX XXXX XXXX XXXX. Its a 6 year loan. Im in my 5 year of this loan and have had always auto pay, my personal bank transfers the founds to SDCU loan account I have because I dont have a personal account with them. All this past 4 years its been that way autopay, until I got a call saying I havent pay in 4 months the car loan, but the money has been transfer every time to their bank account and from it they pay the loan, withdrawing every time from that loan account. But in XXXX they said the autopay didnt work and that they have been sending emails, but I didnt receive anything. They also asked me all the information on the loan like my license, car make and model and year and vin number everything, I asked them how they dont have that information if they are now for the first time calling me without information on my type of car I ask for a summary statement of how much is my paid off and they said they dont have the information. I need help how can I proceed. 
Also my credit score was XXXX a month ago and now its XXXX and they also charge me with late fees. Please anyone help me on how to proceed and get the bad credit report of my credit.
Consumer complaint received 2024-04-16
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. (LA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2024-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (MO)

I have called many times to be told that I need to send an email message on the website under my account. I can not talk in detail to a person that understands it or can answer my questions. I just keep getting messages that they do not see anything wrong with my escrows or shortage. Since Freedom bought my loan from XXXX of XXXX my i have a shortage of XXXX that they can not and will not explain. Also, they made me increase my flood insurance which i did and sent them the declaration, but they still have not removed the charge for the extra insurance they are charging me for the last year. Again, you can not talk to a live person that can reconcile the problem. They just listen and send a message to the escrow department and I never get a call back just a message saying its correct. I want to get my loan audited because my escrows have went up {$1000.00} per month on my monthly payment in 1 year. I just got another notice saying they are going up again. It makes XXXX sense. I have had about 6 mortgages and have never experienced this.
Consumer complaint received 2023-04-10
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. (FL)

On XX/XX/XXXX, I made a phone call to the Experian regarding a dispute that came back as the company certified the the account was accurate. I asked how did the verify since I sent a certified validation letter to XXXX XXXX XXXX back in XXXX and they didn't response to me. The agent with the dispute department told me that they have 3 options to choose from and they responded that the account was accurate but doesn't have to send any supporting information/proof to them. 

I informed the agent that I had file a complaint with CFPB that shows that the dispute is still in progress so why are they showing that it was verified on the XX/XX/XXXX. The agent stated that she wasn't able to find anything that supports that I have a open compliant with CFPB and she would open another dispute. Each time I have tried to dispute the account with Experian it's has come back accurate or verified. I was told in XXXX, if I want the account to be validated, I need to reach out to the company that was reporting it. I did just that. I reached out to XXXX XXXX and asked them to send me the original contract and/or agreement bearing my signature as proof that this is my account. They didn't respond to me because they couldn't provide this information because I don't owe a debt to them and doesn't have a legally binding contact. 

I am very frustrated because Experian continues to violate the rights that I have been give by the FCRA and refuses to take any accountability their actions. I recently submitted a dispute regarding a Bankruptcy by certified mail and I confirmed that it was received by the company but the agent reported that there was no record of that as well. I have been dealing with both of these issues for months with Experian to no avail. 
This is not a issue that should be taken likely as negatively affected my ability to obtain credit and meet the needs of my family.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (GA)

I contacted these companies that are furnisher incorrect information on my credit report. I contacted them based on my consumer laws and let them know this information is inaccurate. I requested varication and they did not provide anything other than just saying they verified my information, If they verified my information I request the verification that is required under consumer law but they will not abide. 

XXXX of these companies requested my social security number in which I will not reveal to someone I do not know. Why are they requesting my information when I sent them a letters with the accounts number that is inaccurate from their company.
Consumer complaint received 2023-07-17
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX, and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX XXXX  XXXX Balance : {$8200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$8300.00} XXXX XXXX Balance : {$8300.00}
Consumer complaint received 2024-04-16
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. (TX)

I am writing to express my deep frustration and disappointment regarding the ongoing issue concerning the correction of a late open account, despite numerous attempts to rectify it. This letter serves as a formal complaint regarding the many unsuccessful endeavor to address this matter.

I urge you to take immediate action to rectify this situation comprehensively. This should include a thorough review of my account records to identify the root cause of the discrepancy, as well as the implementation of measures to ensure that similar errors do not occur in the future.

Furthermore, I request transparent communication throughout the resolution process, including regular updates on the progress made and the steps being taken to address the issue. Additionally, I expect fair compensation for any inconvenience or financial losses I may have incurred as a result of this prolonged ordeal. With this, I am asking for your assistance to correct this account n my credit file : XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Onity Group Inc. (IA)

We had the house for sale. We needed a solid dollar amount & had to request a payoff statement. To my surprise it was XXXX  dollars more than listed on the payment statement for XXXX. That was good for 30 days. However, there was verbiage in that statement the attorneys & bank questioned. It related to additional charges that may be added. That statement did list charges which would be due. The attorney requested in writing that once funds were received the mortgage would be released & the lawsuit dismissed. The first date the payoff statement was good through was XX/XX/XXXX. Had they given us what we needed we could have closed before then. As a result, I had to request another payoff statement which added yet another XXXX  dollars. That quote was good through XX/XX/XXXX. Once again, they would not give us that written statement and the date we could have closed has again passed. Our realtor has communicated with both attorneys as well and I have placed calls and emails to PHH all to no avail.
Consumer complaint received 2024-01-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (NY)

I was notified by Wells Fargo Bank on XXXX via mail that my credit card account had been closed due to returned payments. Payments bank account which I use to pay all other cards and bills was not able to make the payment ( due to a mistake on their end which they have admitted ). Nonetheless, I used another account to pay my balance in full. 

When I reached out to Wells Fargo, the rep admitted that it was a mistake on their end and mentioned that the problem would be escalated. I then received a letter that confirmed that payments were returned with no fault of my own however that my account would be closed.
Consumer complaint received 2024-01-02
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: HYUNDAI CAPITAL AMERICA (FL)

I am writing to file a formal complaint against Kia Motors Finance regarding an unresolved dispute and the inaccurate listing of an account on my credit report. On XX/XX/2023, I submitted a dispute letter to Kia Motors Finance regarding the account listed under the account number XXXX. As of today, I have not received any response or acknowledgment from Kia Motors Finance in regard to this dispute. 

This lack of response and failure to address my concerns is in direct violation of fair credit reporting practices. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to a timely and fair investigation into disputes regarding inaccurate or incomplete information on my credit report.
Consumer complaint received 2024-01-02
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions (WI)

I received a letter from rent recovery stating I owe {$9000.00} from a previous landlord. I sent a letter within the 30 day period stating that I wanted any and all paperwork photos etc. that they had validating that this debt was mine. I do not owe this debt, this is a false debt. I also sent them a copy of a court document stating that the case was dismissed. I never heard anything back from rent recovery solutions and they added the debt to my credit report. I sent them documentation as a photo of the envelope with the date stamp on it will show. I contacted the credit report agencies also and XXXX XXXX took the debt off. However, XXXX  did not take the debt off. I also sent the credit bureaus, the, legally stamped court order, stating that I owed nothing and this case was dismissed. XXXX did not take this that they sent me a letter stating that they would not remove this debt even though I sent them a legal document from Wisconsin circuit court.