davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the Experian and Equifax credit bureaus, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX Account XXXX : {$32000.00}
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

Equifax isnt showing my credit union credit card. Removing that credit card from my report lowered my equifax score by XXXX points. The credit card was removed from their report after XX/XX/XXXX. The XX/XX/XXXX equifax report shows the decline in my score. I reached out to credit card company and they were filing a complaint as well. My XXXX XXXX score shows the credit card and shows the opening of the card XXXX of XXXX. Please rectify this for me. Thanks!
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland credit management Inc is trying to collect a debt that they can not validate as mine. They refuse to provide name of the original creditor etc and are reporting the account as open when it is closed meaning inaccurate information to XXXX and XXXX. The credit amount owed is incorrect and has not been validated. They refuse to provide or show any proof of contract showing tht the debt was ever mine. Id like it to be removed from my credit reports and for the bureaus to delete this from my account
Consumer complaint received 2021-04-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have not receive a response from the bureaus. It has been over 45 days. To my knowledge I know they have 30 days to investigate or they must delete the items from my credit report. This is outrageous!
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (LA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2024-06-20
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: CREDIT ACCEPTANCE CORPORATION (IL)

Dear CFPB, I hope this letter finds you well. I am writing to request your assistance in resolving an issue with my payment and a 30-day late payment on my account with Credit Acceptance . I have already contacted all three credit bureaus ( XXXX, XXXX and XXXX ) and tried to resolve this matter directly with Credit Acceptance, but unfortunately, they do not seem to care about their customers and have not accepted my goodwill letter, all the evidence etc. 

Previously, I have never had any issues with my credit obligations, and I have always made payments on time. However, before my departure to the XXXXXXXX XXXX XXXX XXXX  on XX/XX/year>, I spoke with a representative from Credit Acceptance and explained that, since I would not have access to a phone, I would like to either freeze my payments or find another way to ensure my non-payment does not affect my credit score. I was unsure if I would have access to a phone or bank for 4 months. As a result, their representative suggested setting up an installment agreement of {$50.00} per month and assured me that it would not impact my credit score.

Despite this arrangement, Credit Acceptance still reported a late payment on my credit report, which has negatively affected my credit score and financial well-being. 

As a service member, I am protected under the XXXXXXXX XXXX XXXX  XXXX XXXX ( XXXX ), which grants certain rights and protections. Unfortunately, during my XXXX XXXX XXXX I did not have access to the necessary resources to make payments on time. 

I kindly request that you help me, and Credit Acceptance updated XXXX payment as " ON TIME PAID AS AGREED ''. I hope for your understanding and assistance in this matter. 

I am dedicated to ensuring that my financial responsibilities are met promptly moving forward, and I appreciate your consideration and assistance in resolving this matter. 

Attached to this letter are my XXXX XXXX and my social security number. Thank you for your attention to this urgent matter. Please keep me informed about the progress of your investigation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (AZ)

I have already submitted complaint on this company that they are doing fraudulent activity and that the needed to verify the debt with documents that XXXX XXXX me to it and they have passed 30 days and almost over 60 days and they are non responsive.
Consumer complaint received 2023-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (AL)

I have been a XXXX XXXX for almost 12 years. I am writing today because I have been waiting for two years for my PSLF discharge on my student loans to process from the U.S. Department of Education. The loan servicer indicates that I met the qualified number of payments in XX/XX/XXXX. I am now more than 28 months past that date. 

I have called repeatedly for guidance or answers ( both the previous servicer and now our current servicer ), and no one seems to be able to assist me. 

Prior to XX/XX/XXXX, I was assured on every phone call that nothing more was needed, and that the loan forgiveness was in process. We were told to just wait. The servicer indicated that they have done everything they can do, and we are now waiting on a response from the U.S. Department of Education. Then, on XX/XX/XXXX, I was told that no application was on file for me, and I needed to submit a new application. I did this immediately on that day and submitted it through the portal. 

It has now been five months the servicer still does not have any answers for me. They put in a PSLF forbearance in the system, but now the loans are accruing interest.
Consumer complaint received 2023-01-24
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. (FL)

This company is not putting the accounts in question in disputes unless I call in and spend 2 hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months.

I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer. 

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates.

EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151. 

Account Name : XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX
Consumer complaint received 2019-11-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (CA)

Initially applied for a home refinance on XX/XX/19. Completed all requested application and follow up documents within 5 days of application and used portal to verify and upload other as request. Was told would take 20-30 days to close this refi. Over the course of the following weeks, I consistently called or e-mailed for status and was told one thing or other delaying the closing. I was also told the new lender was having difficulty obtaining the payoff of current loan with current bank. I had to do it myself and send the bank letter to the new lender, Quicken Loans ( XXXX XXXX  via Rocket Mortgage ). When reaching the 60 day mark I again contacted my loan officer at Quicken to pressure on closing and I threatened to cancel the entire thing. I did get a call from the closing team to schedule my closing finally on XX/XX/19, which did close. During the back and forth communications and including my closing appt on XX/XX/19 I was told the portion of funds coming back to me would be EFT to my bank on XX/XX/19 with payoff to current lender on XX/XX/19. As of today the EFT to my bank for my funds has yet to happen so am afraid now that the existing loan payoff scheduled for today, XX/XX/19, will also be delayed thereby possibly creating a balance due from me to my current lender. I've nothing but road block after road block with Quicken/XXXX XXXX and feel they owe me interest for being late in depositing my funds. I've yet been able to get in touch with anyone from XXXX. I have had to e-mail or phone text my Loan Officer three times. I feel as though Quicken presents a very good sales pitch to customers but fails to disclose true and full transparency on actual process and time. Although, I will say the rate is what they promised, but closing costs did end up being slightly higher.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXXXXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX, AL XXXX ; XXXX  XX/XX/2021 ; XXXX XX/XX/2021.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Both two students loans have been paid in full {$14000.00}. On XX/XX/2024. 
The creditor XXXX XXXX HAS RECEIVED PAYMENT. THIS ACCOUNT HAS BEEN PAID IN FULL!!! PLEASE UPDATE MY BALANCE AND DELETE INCORRECT INFORMATION FROM MY CREDIT FILE
Consumer complaint received 2023-07-16
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. (PA)

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 reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately! 


.
Consumer complaint received 2023-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

The letters are stated with items and issues.

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 2023-07-07
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. (NJ)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-06-17
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. (MI)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXXXXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$9800.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$44000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$470.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; STATE OF MI OFFICE CHI XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : SERVICED BY XXXX XXXX ) XXXX XXXX XXXX {$39000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (AZ)

I filed a previous complaint XXXX with the CFPB regarding my XXXX payments not being paid. On XX/XX/2022, Wells Fargo said they would pass it along to be answered by the XXXX group. They never responded and you closed the case. 

Please reopen the case so I can get the response that was promised to me.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TrueAccord Corp. (OR)

Something in my name was purchased from a company called XXXX XXXX in the amount of XXXX  XXXX I have never contacted them nor have I ever bought a product ir signed up for a program from them. I recently got emails from a company called True Accord which is a third party collection agency trying to collect this fraudulent debt. I have been getting emails from them harassing me about this unknown unauthorized account. Then lastly XXXX credit Bureau has reported me as a late payment as well as a charge off account and Im prepared to pursue legal action against this illegal act. This is FCRA Violation. XXXX is in Violation of 15 USC 1681a as well as USC 15 1666 I never authorized this fraudulent account, my privacy has been violated and I demand this be removed from my report immediately! There is an ongoing investigation into these fraudulent claims and XXXX is in direct federal violation in reporting this on my consumer report. If this is not rectified and removed from my report I will pursue legal action to the fullest extent of the law!
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (AZ)

I am XXXX XXXX XXXX and am writing this letter at XXXX XXXX on Friday, XX/XX/2023, because I can not sleep. I have Citibank accounts CHECKING XXXX, Citi Rewards Card XXXX and DEBIT Card XXXX. On XX/XX/XXXX, I had XXXX XXXX deposit {$12000.00} onto my DEBIT card XXXX so it would be handy when needed. On XX/XX/XXXX, I attempted to pay {$12000.00} to XXXX. I called the number on the back of card XXXX, XXXX for r instructions. I was told by YOUR employee to run a debit for {$10000.00} and then for {$2000.00}. This was to pay off a car I was buying, and that was ALL READY for me to drive off in. I tried it on a XXXX debit unit and it would not work. This was around XXXX XXXX on XX/XX/2023 I called Citibank back immediately to have them walk me through the process, and was informed that the {$12000.00} had been moved FROM.my DEBIT card XXXX ONTO my Citi Rewards Card XXXX without my permission and could NOT be withdrawn or put BACK onto my DEBIT card. Also, {$760.00} had been removed from my {$12000.00}. to pay off a Interest Free Loan I had which was due XX/XX/2023. I asked to speak to a SUPERVISOR at that time and was informed she REFUSED to talk to me. 

I then called your CUSTOMER SERVICE number, XXXX, the number on my statement. I asked to talk to a SUPERVISOR And was again denied. I found ANOTHER number XXXX and talked to a guy named XXXX who said he was a SUPERVISOR. He said the best they could do was transfer the {$12000.00} into my XXXX account number on file, XXXX, routing number XXXX, but it would take at LEAST two days, and probably up to five days. 

Of course, I could NOT get the car I was buying and which was ready for me to drive off the XXXX lot. It is costing me additional days rental at XXXX XXXX at {$75.00} per day, which I EXPECT Citibank to pay. 

IT IS NOW XX/XX/XXXX, AND I STILL HAVE NOT RECEIVED THIS MONEY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report. -- -- - Experian : XXXX XXXX/XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, US SM BUS ADMIN ODA
Consumer complaint received 2018-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

This is my third time cashing a check and every time its been an XXXX. This time theres a XXXX hold on my account when I dont use it to pay for anything just put money on. I even had XXXX cents to show no pending nothing. I signed the back like I always do and theyre playing with my time, patience, and money. If wells doesnt get their XXXX together Im going up legally. XXXX this back and forth XXXX idc the time it takes, people work hard for their money and to turn around and have something that should be available 24/7 with no problems XXXX with you lol. XXXX Wells Fargo for XXXX with people lives and money XX/XX/2018 XXXX is what I deposited with my signature on the back!
Consumer complaint received 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I reviewed my Consumer Reports and noticed that I had eight ( 8 ) late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX : Enter Account Number XXXX dates erroneously reported - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,