davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-03
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 like to file a dispute for unidentified items on my credit report for the following : XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Also filing a dispute for unidentified inquiries on my credit report as well for the following : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. from my credit report. I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.
Consumer complaint received 2021-03-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (FL)

In XX/XX/XXXX, National Credit Adjusters reported a collection account for XXXX XXXX XXXX in the amount of {$820.00} on my credit bureau file. On XX/XX/XXXX, I sent a certified letter to National Credit Adjusters disputing the debt and requesting specific information be provided to me ( see attached ). They did not respond. Pursuant to the FDCPA, they were required to respond to my request within 30 days. In XX/XX/XXXX, the collection account was deleted from by credit bureau file. In XX/XX/XXXX, National Credit Adjusters began reporting the collection account again without notifying me. To date, National Credit Adjusters has never contacted me or sent any information regarding the validation of this debt. National Credit Adjusters has continued to violate the FDCPA regulations by refusing to provide me with any verification of the debt. In XXXX, National Credit Adjusters was sued by the CFPB for multiple violations related to their collection activities. National Credit Adjusters has a long history of complaints at the CFPB of violating consumers ' rights by not conducting business practices in compliance with federal and state laws regulating consumer collection agencies. There have been 1217 complaints filed against National Credit Adjusters at the CFPB. I am requesting that this company be investigated and that the account be deleted from my credit bureau file immediately. I have also filed a complaint with the Florida Attorney General requesting they investigate the deceptive collection actions of National Credit Adjusters.
Consumer complaint received 2021-03-03
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. (NY)

On XX/XX/21 I was mailed a Debt collection letter from XXXX XXXX XXXX about a debt that I have No Knowledge of. This company has failed to provide me the original APPLICATION that I signed with them. If they can not provide me the original application, then I ask that this debt be removed from my credit report immediately.I am deeply upset about the erroneous things I see on my credit report. The accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately it must be removed. I hope you find out whats going on to and who the inaccurate information belongs to. Can you all clear this up quick. it is my understanding that you will do an investigation immediately. A new credit report that reflect the updated changes should be sent. You must complete this investigation within 30 days of receipt of this letter. According to law unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed. This is false and misleading information.Thanks for your help with this matter.
Consumer complaint received 2021-03-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2020 my wife and I went to XXXX XXXX on XXXX XXXX in XXXX XXXX, Texas and put a XXXX on layaway. We were told at the time that any payments could be made to that store or any XXXX XXXX or XXXX XXXX XXXX. As we were in town visiting family we decided that this was good considering we lived an hour away but did have a XXXX XXXX close by. On XX/XX/2020 I went in to the XXXX XXXX XXXX in XXXX to make a payment on my item. I decided in XXXX that I would take a XXXX  I already had, and new the value of to trade in to make a payment on my layaway. When arriving to the store XXXX, the manager, approached me and my wife and took my XXXX to " appraise ''. I was told by the manager that my XXXX, valued at {$500.00} used, was only worth {$150.00} and that was all that he would give. He tried to show a picture of a completely different XXXX that he found online that he got his appraisal from. From that point he became unprofessional and I explained to him that I wanted to end the layaway with XXXX XXXX and would dispute the charges with our bank to get our refund that he denied to give us because the layaway would cost us {$260.00}. My wife and I were told that we could dispute the charges but that we were no longer welcome to shop at XXXX XXXX. On XX/XX/XXXX our bank decided to rule in our favor for the refund of the initial {$80.00} and the XXXX payment of {$120.00} was still under investigation. Our bank Capital One, after receiving documentation from XXXX XXXX decided to take away the provisional credit as the payment was made at XXXX XXXX XXXX. They were not seeing it as one single transaction as we were told from XXXX XXXX on payments. They treated it as a completely separate transaction and stated that it was contractual with the XXXX XXXX XXXX store. Capital one has proven that they will not help us and will only side with the merchant.
Consumer complaint received 2021-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (CA)

Continental Finance Verve Card. Each time for the last three months I have attempted to make a payment on time. Each time my payment bounces. There is plenty of money in my bank account to pay for this, and in fact, the bank is not getting the charge - the bank is not charging me for a bounced account.

Each time, there is a problem at Verve card 's end, where the information I have given them is not the information they are using to get my payment. I believe, since this has happened three times now, and I have checked and double checked that the Routing and MICR numbers are correct -- I believe they are doing this deliberately in order to extract late fees and retuned item fees from my account.
Consumer complaint received 2021-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I look on XXXX XXXX bout my credit score and I keep seeing an account for XXXX XXXXXXXX saying I owe thousands of dollars that I do not know of. I have tried to dispute it and I keep getting continuous calls from collection agencies. Its very annoying and upsetting
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Collection Creditor : XXXX XXXX XXXX
Consumer complaint received 2021-03-03
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. (CA)

I have requested Equifax to update my personal information on XX/XX/2021, and remove all inaccurate personal information from my credit report per the Fair Credit Reporting Act and they have failed to comply with my request to update my personal information and to delete all inaccurate personal information per the Fair Credit Reporting Act.
Consumer complaint received 2021-03-02
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Opened XX/XX/2015 {$17000.00} Please review this account inquiry. I would like both investigated and fixed immediately XXXX XXXX Opened XX/XX/2015 {$2300.00} Please review this account inquiry. I would like both investigated and fixed immediately
Consumer complaint received 2021-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America let someone from XXXX XXXXXX/XX/XXXXopen up a fraudulent credt card number # XXXX in my name and steal {$11.00}, XXXX dollars off the card and now taking me to court for a civil summons lawsuit. I am a victim of credit card fraud and identity theft from the XX/XX/XXXX data breach. I have sent them police reports of the incident. Please I need help IDID NOT OPEN ANY ACCOUNT WITH THEM.
Consumer complaint received 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (PA)

I paid off my mortgage XX/XX/XXXX. It's over 5 months later and the mortgage company has not released the lien yet. I started contacting them in XXXX of XXXX. I have been back and forth on the phone and through e-mail and the furthest I get is that they'll say they are putting in a request to get it done. Also their automated phone system is tricky. To get to the main menu and request talking to a representative, you must choose go to their 1098 menu after listing to 10 minutes of other information. I told a representative about the phone menu and they said they knew about it. The phone menu has not been fixed.
Consumer complaint received 2021-03-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (NV)

I applied with US Bank my current HELOC holder for a subordination related to a refinance. They charged me a {$250.00} up front fee and did not tell me I would need to provide a full appraisal on my property in order to have my request reviewed. If I knew of that requirement I would not have paid the {$250.00} and I would not have submitted the request. I do not have a full appraisal and will not provide one. An appraisal is not necessary and it should not be required for the subordination as my 1st mortgage refinance is not a cash out. My HELOC is also at a XXXX balance. I am a mortgage professional so I know underwriting guidelines and normally lenders do not require an appraisal if my 1st mortgage refinance is not a cash out. I tried calling US Bank today multiple times today to discuss the issue and see if there is a solution. I also wanted to know why they did not tell me the requirements of the subordination before collecting {$250.00}. They refused to put anyone on the phone. They said that department is private and they are not allowed to give out the contact info. They also tried telling me to have my mortgage company call them who was handling the refinance. I told them I am calling from the mortgage company handling the refinance. I actually work for the mortgage company. US Bank collects {$250.00}, does not advise what is required for the process, then cashes the check and denies the request asking for something I can not provide. They do not allow anyone to call and find out how to resolve the denial and refuse to allow both the requestor and customer talk w their underwriting. I would not have paid the {$250.00} if I knew they would require an appraisal. I would not assume it's necessary because in my 30 years of being a mortgage lender I have never seen this requirement unless it is a cash out refinance. US Bank is free to have their own guidelines, even if they make no sense. However, they can not charge {$250.00} and then tell a consumer after the fact they need something the consumer can not provide in order to complete the service they charged for.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I received an alert that my credit score had dropped. Apparently dropped 17 points. I went to check my report online ( Experian .com ) and there was a credit card added an XXXX of debt added. 
a ). could not find the added entry compared to XX/XX/XXXX, credit report same number of entries the balances were lower. 
b ). I went onto the chat and inquired why the change and the Experian person said - I need to contact the bank and talk to a credit person. 

Here again, I checked all figures logged back on credit score changed again up 7 pts. 

I have been paying everything down. Last month I even paid off an account. I have not added anything to my credit. Always paying it down. 

Why has my credit score taken a hit for as far as I can see my debts being paid DOWN. 
No new entries? Why?
Consumer complaint received 2021-03-02
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. (TN)

I have sent several letters and called all 3 bureaus about these inquiries listed on my credit report. I was told over the phone they would be removed but at this time it is still reporting. I believe my information was compromised in 2 credit breaches and I have not received a response from the credit bureaus regarding this matter
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Collection Creditor : XXXX XXXX XXXX
Consumer complaint received 2023-07-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX regarding their violation of the Fair Credit Reporting Act ( FCRA ). I recently financed my auto loan with XXXX and have encountered significant discrepancies in the reporting of my payment history to the credit bureaus. 

My car loan was initiated at the end of XXXX, and my first payment was scheduled for XX/XX/2023. However, upon making a payment on XX/XX/2023, covering both XXXX and XXXX, I noticed that there have been no updates about these payments reported to any of the three major credit bureaus. 

This oversight is a clear violation of the FCRA, which mandates that accurate and timely information be reported by lenders to credit bureaus. I am deeply concerned about the potential negative impact this issue may have on my credit score and financial reputation. 

I have attempted to resolve this matter directly with XXXX XXXX XXXX, but regrettably, my efforts have not yielded any positive results. The lack of responsiveness and inaction on their part has led me to escalate this matter to your esteemed agency. 

I kindly request your immediate attention to this issue and the initiation of an investigation into XXXX XXXX XXXX 's non-compliance with the FCRA. I believe that by taking appropriate action, we can rectify the inaccurate reporting and prevent any further harm to my credit standing. 

Thank you for your prompt assistance in resolving this matter. Please do not hesitate to reach out if you require any further information.
Consumer complaint received 2024-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

15USC 1681 SECTION 604 THESE INQUIRES WERE DISPUTED AND REMOVED LAST YEAR AS RESULT OF A FRAUD AND IM NOT SURE WHY THEY ARE ON MY REPORT. I KNOW THIS LAW PROTECTS ME FROM THESE INQUIRIES BEING ON MY CONSUMER REPORT BEING THEY ARE NOT CONNECTED TO AN ACCOUNT WITH ANY EXTENSION OF CREDIT. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2015-05-14
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: California Business Bureau, Inc. (CA)

We have been regularly paying off the medical bill to XXXX XXXX OF XXXX with an approximate current value of {$2500.00}. We pay $ XXXX monthly but always when we receive a bill. The original amount was approximately {$7000.00} which we have made a significant dent in since inception. We are now getting a collection bill from CALIFORNIA BUSINESS BUREAU , Inc. without even being forewarned that the outstanding bill would be going to collection. They called me at work and were rude and misrepresentative. We negotiated this arrangement with XXXX XXXX XXXX in XXXX when we XXXX got the bill after our son 's treatment, and they were aware of our circumstances and agreed at that time, last year to honor this arrangement.
Consumer complaint received 2022-07-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (ID)

I have been dealing with this issue for over the past 2 years now. First with XXXX XXXX XXXX XXXX my acct number for my mortg XXXX is XXXX. XXXX XXXX. They claimed I had unpaid payments of well over {$13000.00} and that WELLS FARGO retracked those payments from my XXXX XXXX Acct due to my bank XXXX XXXX, said " either XXXX, or or wrong account number, OR mis applied pymnt. well these accusations are not true. I have contacted not only XXXX XXXX XXXX many times as you will see in your investigations, but also to XXXX that provided me with the docs to show the monies coming out of my acct and never being returned or pd to XXXX. they supplied me with all the tracing numbers and all. I then sent all this to the escalation team at Wells Fargo. They REFUSE TO GIVE ME ANY HELP OR INFORMATION, Stating ..That I am not on the Account or on any account with XXXX I am leaving another email to XXXX XXXX at XXXX re : what XXXX had told me. I need this Resolved as I am trying to sell my home and buy another.. I am seeking a settlement out of court of approx. $ un settled, for the Partial Claim I had to sign to keep my home but for all the hour 's I missed from work and hours and years spent to get this resolved. I just got off the phone with the Supervisor from ells Fargo Escalation Dept ( XXXX XXXX and he still would not help me stating it is XXXX or XXXX  fault. THIS HAS NOT BEEN RESOLVED THEY SAY ..IT HAS AND IT HAS NOT THEY HAVE ALL MY DOCS TRACING NUMBERS BANK STMNTS.. THE GAL ON THE CASE IS XXXX AND HER BOSS XXXX... THEY HAVE NOT EVEN GOTTEN BACK TO LOAN CARE EITHER!!! Please help me with this. Thank you, XXXX XXXX
Consumer complaint received 2023-05-11
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. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-11
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. (NC)

I'm grateful that you made the effort to remove some of the records from my file that you said were obtained through identity theft, but I still need to remove a few more. According to FCRA section 605 of the law, any goods that were recognized on an ID THEFT REPORT were to be taken away. This report was previously attached to a letter, so I'm including it once more. My lawyer has been informed of my intentions, and they are eager to hold you accountable for your willful disregard for the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-11
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)

I sent certified letters to all three credit reporting agencies on XX/XX/23 asking them to delete the XXXX XXXX Account that are on my credit reports. The creditor and I made an agreement on the debt that if I paid and satisfied the debt it would be deleted from my credit reports. I sent them the proof that this was the case and that I had paid the debt and to please delete but, they did not delete the account it was just updated instead.