davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-22
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: EQUIFAX, INC. (TX)

This is my attempt to get this matter resolved. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. 3 credit bureaus have failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed accounts that are reporting to my credit file held with the 3 credit bureaus. These accounts were opened negatively. I informed them of the issue & provide them with the required documents to correct the accounts via FCRA Section 605b. They have failed to correct the accounts, additionally, they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following accounts to be corrected from my report ASAP. I want you to correct the following accounts immediately : XXXX XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$370.00} ; XXXX XXXX XX/XX/XXXXXXXX Balance : {$2700.00}.
Consumer complaint received 2023-08-23
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: Bridgecrest Acceptance Corporation (TX)

This is a response to the resolution for Complaint # XXXX your company provided and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 
The complaint was NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the named in the attached letter. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Prove the Statute of Limitations has not expired on this account. 
Show me the you are licensed to collect in my state. 
Provide me with your license numbers and Registered Agent or Agent of Service.
Consumer complaint received 2023-08-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Tesla, Inc. (TX)

I have been unable to complete a lease transfer because the Tesla App/Website does not work. I have called Tesla and they said there is no phone number for the Tesla Financial department and to send an email. I have sent multiple emails and have not received a response.
Consumer complaint received 2023-07-12
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. (MO)

Experian- Is reporting XXXX XXXX on my acct. I've demanded them to remove it because it's a business account that was never created by me, which also lead to other accounts in my name and on my Bureau, that aren't mine. Upon contacting XXXX XXXX they've stated, I needed to simply contact the 3 reporting Bureau 's and it would be deleted. However the Bureau says they won't remove this information. I've been fired from my career over this information being on my credit and denied home loans because it dropped my score by XXXX points. Plus the Bureau have my social first number as XXXX, which alerts lenders of my race based on the first number being a XXXX or XXXX, so I've been told by a Bureau expert. 
I need these items removed from my report. 

Thank you
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX, 2023 Balance {$10000.00} Account number XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX 2023 Account number XXXX {$310.00}
Consumer complaint received 2023-05-24
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: EQUIFAX, INC. (NY)

Recent complaint ID : XXXX Equifax Information Services LLC Hi , Thank you for your response to my complaint submitted through the CFPB Complaint Portal. I appreciate the completion of your investigation regarding the inaccurate items on my credit file. However, after reviewing the results you provided, I am still concerned about the presence of these disputed items on my credit report. 
In your response, you mentioned that adverse accounts that have been paid in full will be automatically deleted seven years from the date of the first delinquency. I would like to clarify that the disputed items in question were not paid in full and should be removed from my credit report based on their inaccurate reporting. 

Regarding the accounts where additional information was provided from the original source, I kindly request that you provide me with the specific details and supporting documentation that substantiate the accuracy of these items. It is crucial for me to review this information to ensure the validity of the reported data. 

Furthermore, the non-reporting disputes you mentioned indicate that the disputed items are not currently reported on my Equifax credit file. In light of this information, I request that these items be completely removed from my credit report to ensure its accuracy and fairness. 

I would appreciate your prompt attention to this matter and a comprehensive resolution to remove all disputed items from my credit report. Please provide me with a detailed response and any necessary actions I need to take to ensure the removal of these inaccuracies. 

Thank you for your cooperation and prompt assistance in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (RI)

To whom it may concern, I am deeply frustrated and concerned that I will not be able to buy a house because of Equifax. I have tried applying for a mortgage through two companies and both have had to close my application due to the lenders ' inability to pull my credit report through Equifax.

I was preapproved by both lenders and my information was received easily from XXXX XXXX and XXXX. However, neither lender has been able to access my credit report through Equifax. They received several error messages from Equifax stating " insufficient information '' or issues related to my address. I have called Equifax four times ( XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX and XX/XX/XXXX at XXXX XXXX XXXX. I verified all of my information with Equifax and still neither lender has been able to pull my report. I even requested a copy of my credit report to further check and all of the information is accurate and the same as what was provided to the lenders. Each agent at Equifax expressed that there is no reason my report would not be able to be pulled ; they denied any freezes, fraud, or concerns on their end. 

I submitted one complaint through this CFPB portal on XX/XX/XXXX and Equifax did nothing and closed the complaint. I called Equifax three more times since filing the complaint on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I spoke to agents in the consumer complaint department and all three brought in supervisors to try to fix this problem. Nothing has worked.
Consumer complaint received 2017-05-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

Our mortgage was purchased by Chase Bank in    XXXX   XXXX   , in    XXXX   XXXX    they paid    XXXX    and County  taxes in the amounts of {$2300.00} and {$2000.00} out of my escrow account. These amounts were not for my taxes, they paid someone else 's taxes and took my escrow account negative. I contacted  Chase  and spoke with them the last week of    XXXX   XXXX   , they said it could take up to 90 days to get the refund.  XXXX  then sold the loan to  XXXX   XXXX  at the beginning of    XXXX   XXXX   . I have contacted  XXXX  on multiple occasions, they said on    XXXX   XXXX    that checks had been mailed to the new loan service company in   XXXX   XXXX  , VA. I contacted   XXXX   XXXX   and they have not received the checks. I then contacted  Chase  to find out if the checks had cleared, I was then informed that it would take days to find out if the checks had cleared. At this point, I need the funds put into my escrow account at  XXXX   XXXX  ( which is still showing a shortage ) - preferably Chase mails the checks to me directly so I can put the funds into my escrow account on my own.
Consumer complaint received 2023-01-02
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 appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many inquiries that need to be DELETED. The credit bureaus must verify these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed inquiries be DELETED immediately. 

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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (AL)

i have XXXX account and department of education closed student loan accounts on my credit report prifile and i need them removed because they are causing me financial hardship and lively hood damage to my life.
Consumer complaint received 2023-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2019-11-25
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-01-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX REPORTED ON MY ACCOUNT AND TO CREDIT REPORTING AGENCIES ON XX/XX/2021 THAT I WAS PAST DUE 30 DAYS.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-23
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: U.S. BANCORP (DC)

XXXX sold a defective product that was falsely advertised with respecting to the listing on XXXX 's page. Then, XXXX took the following actions : XXXX. XXXX 's customer service agent XXXX promised that the refund would be processed for this item to the original form of payment. " Please don't worry. '' " You will get the refund. '' " In your original payment method. '' 2. The website also assured that the " refund has been issued '' and that " A refund will appear on [ my ] bank account or credit card statement within the next 7 days. '' None was received on my Fidelity credit card statement. Please note that these two pieces of evidence of Amazon 's actions towards to the customer were submitted as evidence at the beginning of the Fidelity dispute investigation process and have also been attached here to this CFPB complain.

I then contacted Fidelity, who was negligent in investigating the case. Fidelity sided with the merchant citing the merchant 's return policy. Per that described above, the merchant deliberately prevented the customer from following the merchant 's return policy by lying to the customer, which was communicated to Fidelity multiple times. Fidelity was provided all of this documentation but was negligent in investigating the claim and, in fact, incorrectly investigated the claim. Moreover, the Fidelity case processor working on the case did not return callback requests that their customer service agents had put in for the case processor.
Consumer complaint received 2015-04-07
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Asset Management, LLC (CA)

I recieved a phone call from PAM, LLC while I was at work. When I called them back the woman whom I spoke with said that I took out a XXXX $ loan in XXXX and never paid it back. Further more she accused me of closing my bank account so money could not be taken out as payment. I told her that I did not do any of that. I looked into a loan but never took XXXX out. She go angry and trie to proove her self by telling me my Social Security Number, Email Address and Phone number. She said I could pay her over the phone or meet to try and avoid the corts. I told her I wanted proof so she e-mailed me a colection notice. 
After two days of recieving the e-mail I recieved another phone call by this time I had recieved all bank statments as well as confermed with my bank that I have had a open bank account seince XXXX. I said I would meet too look at any real evidence but I would not pay by phone. She got angry and said that they do not meet and that because I am not going to pay that this will go to the next level of action.
Consumer complaint received 2023-01-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

XXXX XXXXXXXX XXXX XXXX REPORTED ON MY ACCOUNT AND TO CREDIT REPORTING AGENCIES ON XX/XX/2021 THAT I WAS PAST DUE 30 DAYS.
Consumer complaint received 2023-07-12
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: EQUIFAX, INC. (MA)

I am writing to submit a formal complaint regarding inaccurate information on my credit report that I reported to Equifax on XX/XX/XXXX. Unfortunately, to this date, I have not received any response from Equifax regarding the disputed information. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 
The following are the details of the inaccurate information and the required corrections : XXXX. ) Account Name : XXXX  Date Opened : XX/XX/XXXX Balance : {$43000.00} The above account is not mine, and I request Equifax to remove it from my credit report. 


XXXX. ) Account Name : XXXX  Date Opened : XX/XX/XXXX Balance : {$10000.00} The above account is not mine, and I request Equifax to remove it from my credit report.
Consumer complaint received 2017-02-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Brennan & Clark, Ltd., LLC (CA)

I used XXXX for my payroll services. Last XX/XX/XXXX they really messed up my account. I closed with them and received notification from their supv my account has been corrected. I have the emails. 6 months ago I get a notice from collection agency. I sent them a letter with explanation with proof I do not owe this. They closed their file. In XX/XX/XXXX I recive another collection notice from another agency. I sent them in XX/XX/XXXX certified letter with explanation and to show proof I DO NOT owe this debt. I have not received any explanation and received today another notice that I have made no attempts to resolve this matter and not its an urgency and I am at my final hour. I have proof they received my letter but they have not given me any explanation or a detail of why I owe over {$3000.00}. Again I have proof this is a mistake and emails from XXXX apologizing for the mess up. Please XXXX reversed all charges and gave me credit for future payroll runs.
Consumer complaint received 2023-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates does not have a license to legally collect debt from me or anyone else. The debt I am accused of owing is not mine and I have no knowledge of it. I have asked them to remove and delete this from my credit report many times. They have sent someone to my home many times to try and serve me papers to sue, the papers were never handed to me directly. The person who delivered it left it on my front door 's gate and walked away. I don't appreciate the harrastment that Portfolio Recovery Associates have done, from excessive phone calls to someone showing up to my house countless of times after they were asked not to come back. I don't not owe this debt I am accused of. I would like the CFPB to please assist so that I am treated fairly and have the debt deleted from my credit report for good. Portfolio Recovery Associates does not legally have a license to collect debt from anyone.
Consumer complaint received 2023-08-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (IN)

My mortgage was serviced by Midland Mortgage ( MM ). Per the attached documents, they modified the mortgage payments due to the delinquency caused by Covid 19. After the loan was modified, MM claimed would not accept the new payments and then proceeded with foreclosure action. All of my trial modification payments were made timely, and MM would not honor the final loan loan modification terms. My property was sold at foreclosure auction on XXXX to XXXX XXXX and I am now facing eviction. I feel cheated and deceived by MM. They are in clear violation of CFPB law 1024.41and I am seeking restitution from them.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (IL)

This is my formal complaint to 1STPROGRESS/XXXX for taking no action to correct and remove the fraudulent account that is still reflected on my credit report and continue to damage my reputation. I sent out communication letters and complaints to them several times, but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they would be reporting accurate information on my file but it seems they are not.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Do to my understanding they have to type account information on one account an don't belong to me finger hut receive muitplal Payment before saling my personal information to XXXX founding company to uptain the same payment basically both companies fraudulent activity happened with my personal information everything should be removed even close account showing open to collect more money an this account is. Close account being paid already