davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-28
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. (IL)

I have filled a dispute in regards to the incorrect and inaccurate items that was reported on my credit report. I haven't had any response of some sort of result on some of my disputes. My first letter to the three major credit bureaus was on XX/XX/2021 and my second letter to dispute these inaccurate items was on XX/XX/2021. The balance amounts of these accounts are {$520.00}, {$290.00}, and {$390.00}.
Consumer complaint received 2017-05-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc. (GA)

Ive paid on my  XXXX  car loan t o CPS for over 3years  at  XXXX  and they say I still owe  XXXX  please overlook my situation I believe I am being frauded.   .
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (MD)

I understand that according to FCRA 605B, it's required to remove any inaccurate accounts from my credit report. Could you please take a look at the documents? I've noticed that several of the listed accounts seem to be incorrect, which is concerning to me.
Consumer complaint received 2023-07-09
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. (TN)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2021-05-28
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NJ)

my mortgage loan was with rounpoint mortgage servicing corporation, which was fully paid by refinance with XXXX XXXX XXXX XXXX on XX/XX/2022. 
Roundpoint mortgage bank has debited {$2300.00} for installment for XXXX 2022. which account ( loan number XXXX ) has been fully paid and closed. 

since last three months i am try to contact the Roundpoint bank they comes direct answering machine, they track my cell number and SS number it is directly goes to answering machine. i have send emial to XXXX on XXXX XXXX 2022 and XXXX XX/XX/ 2022, my loan has been fully paid in XX/XX/2022 they are holding my money {$2300.00}, and worse part is nobody come on phone not reply email. please help me get my money back.
Consumer complaint received 2021-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I started a money transfer ( USA to XXXX ) with XXXX. XXXX took the amount of {$500.00} on XX/XX/XXXX, from my Bank of America checking account. XXXX had to cancel the transfer I started, and refunded the money to my bank account. 
XXXX claimed that they refunded the money to my account on XX/XX/XXXX, but until now I don't see that money in my account, I can only see the money was taken on XX/XX/XXXX with the Authorization number XXXX. 

I have called many times XXXX, and they always reply the same, that the refund was successfully done at their end. While calling to Bank of America, they told me there are no transactions on hold or rejected from XXXX. 

This is the response received from XXXX : " Since transaction was rejected transfer was cancelled on XX/XX/2021. However, our initial attempt to complete transfer failed. A second attempt to refund was done manually on XX/XX/2021 which was successfully completed on XX/XX/2021. '' Until now, I have not received the money XXXX {$500.00} XXXX in my Checking account at Bank of America after all this time. 


Transfer started date : XX/XX/2021 Transfer cancellation date : XX/XX/2021 Authorization number : XXXX Reference number : XXXX Cases opened at XXXX : XXXX, XXXX, XXXX, XXXX Refunded XXXX date : XX/XX/2021 2021
Consumer complaint received 2021-05-28
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: Atlanticus Services Corporation (MA)

Dear XXXX/FORTIVA/ cfpb ; XXXX XXXX XXXXn , ****see attachments**** I need you to start a new investigation regarding the account listed below : I disputed this account with the credit bureaus 30 days ago, and they stated that you verified the accounts. Im confused, how did you verify this account when Its accurate? I know that all furnishers must have procedures in place to report accurately to the credit bureaus. I would like to see a copy of the procedures that your company have in place to make sure that they comply with the law and that the account listed above is reporting accurately.

These incomplete and inaccurate items are causing harm to my credit score and I need it fixed ASAP. 

Please fix this situation and get back with me within 30 days.
Consumer complaint received 2021-05-28
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

Hello. I made a payment in full to XXXX credit card {$92.00} onXX/XX/XXXX. Payment was due on XX/XX/XXXXtherefore I was charged a late fee of {$29.00}. I spoke to a representative when the next statement came in and they said they can waive the late fee as a one time courtesy since Ive never had any late payment and my account was in good standing. Then I received another statement with {$29.00} late fee plus {$2.00} in interest. I called again and they said the billing cycle had already generated and to ignore it because my actual balance was XXXX. Not knowing I had a balance, the next month went up an additional {$33.00} in late fees, making the total {$64.00}. Then an extra {$40.00} in late fees was tacked on with a total of {$100.00} due XX/XX/XXXX I reached out months ago and they told me it was an error and I didnt have to make a payment. I confirmed my account was XXXX out and the representative staters the error was made by the creditor and not to worry as it was cleared up on their part. Then a couple weeks later I was hit with a 30 day late on my credit. I was never 30 days late. I disputed the error and they denied it. Damaging my credit very badly. I pleaded with them to fix their error as I am in no position to have my credit damaged so severely and they ignored my requests. I tried several times after and they still will not take accountability for their mistakes.
Consumer complaint received 2017-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I am requesting the following hard Inquiries to be removed as I have not authorized any of these companies to pull credit.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX
Consumer complaint received 2021-05-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: American First Finance, Inc. (MN)

I took out a loan for {$1000.00} on XX/XX/XXXX from American First FinanceXXXX Bank. Bi-weekly payments of {$77.00} starting on XX/XX/XXXX. I made the first payment on XX/XX/XXXX for {$77.00}. The next payment of {$77.00} was due on XX/XX/XXXX, but couldn't make that payment. Instead I made a double payment to cover the XX/XX/XXXX AND the XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$150.00}, to be caught up. My bank account was debited twice for {$150.00} on XX/XX/XXXX for a grand total of {$310.00} One of the {$150.00} payments that was debited twice was returned back to me. Now on XX/XX/XXXX, the company attempted to debit my account for {$77.00} via my debit card. They state my account is past due, how is this even possible when my next payment isn't even due until XX/XX/XXXX? Something is not right here.
Consumer complaint received 2021-05-27
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. (ME)

I have paid over XXXX $ on an old account from XXXX which is now in collections. I have been disputing the credit report inaccuracy since XXXX of XXXX. They are refusing to update the balance. It has now been several months and several disputes. They now updated " No information '' for XXXX, XXXX, XXXX, and XXXX. This has gone on far long enough. It an old account from when I was married, the vehicle was XXXX and was returned due to the company refusing to follow through on warranties. It's been paid on since as far as I know by my ex husband, as well as I have paid hundreds. Im actively working on my credit score as with age and maturity I'd like to financially be on point with things. Who knew a grade would mean so much to me! haha, but this account has been proven to be quite unreasonable. It's through XXXX XXXX.
Consumer complaint received 2021-05-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (WA)

My wife and I applied for a cash out refinance mortgage on a home we have lived in and paid a mortgage on for the past 19 years. We went thru Penny Mac and an woman named XXXX XXXX was the agent we dealt with. She seemed intelligent and eager to assist us and get our business. I was apprehensive to have any type of hard credit inquiry done for just an initial estimate to get some numbers and I told her as much because other lenders were also interested in us and wanting to do soft inquiries. These inquiries effect your credit rating. So she had us fill out all type of forms on line and we had to agree to receive all documents on line to do business with them. I reluctantly agreed and her assessment was we qualified and we had more than enough equity in our home and then some. So after submitting all requested documentation and long phone discussion in which we told her this was a manufactured home. We were told by XXXX in order to lock in our quoted rate we were required to give them a deposit of XXXX for an appraisal and that WA state required that much of a deposit. So we got the application signed all paperwork submitted ( which also stated this was a manufacture home ) and paid them the deposit via credit card over the phone and all was done. I get a phone call the next day from XXXX saying she had some bad news! So after collecting all of our personal sensitive financial information, bank statements, mortgage statements, insurance declaration and our XXXX deposit for the appraisal she informs us that Penny Mac doesn't lend money on manufactured homes? Now it's going to take 7-10 business days to get a refund on our XXXX deposit for an appraisal. Who collects the interest on that XXXX fee for that 7-10 business days and how much money is that if they do it to hundreds of applicants a week? She should have known the loan would not be completed when we told her it was a manufactured home not to mention that was also available information on all the documentation we provided prior to making the XXXX deposit on the appraisal. These people are completely incompetent!
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-03-27
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. (MI)

I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

XXXX XXXX - XXXX {$15000.00} XXXX XXXXXXXX - XXXX {$4200.00} XXXXXXXX XXXX XXXX XXXX {$5100.00}
Consumer complaint received 2017-11-23
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

I HAVE SEVERAL XXXX ACCOUNTS ON RECORD AND NEED TO CHECK THEIR DATABASES TO LOACTE ALL ACCOUNTS AND THEN ASK XXXX TO CONDUCT AN ACCOUNT REVIEW MAKING THE REPORTING PRPERTLY DONE SO.
Consumer complaint received 2023-08-11
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: EQUIFAX, INC. (GA)

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPE BY SILENCE, ENGELHARDT V GRAVENS ( MO ) 281 SW 715,719, 1 PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (MS)

My account with TD auto was charged off XX/XX/XXXX as well as the truck repoed. This whole charge off account and everything should have fallen off my report at 3 years ( XX/XX/XXXX ) per Mississippi laws for debt collection. TD auto is reporting a balance still today and the balance is increasing each month like interest. This company has the truck and sold the truck at auction for more than I owed and then sent me a letter saying I owed XXXX for it. I have spoke to representatives at the company and disputed with credit bureaus. This is inaccurate information and should have been taken off my credit long ago.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2017-09-09
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: AGORA NOTUS, LLC (AL)

My payment were set up for about XXXX every two weeks. I was in a bind and could only afford XXXX a month. The company reluctantly accepted the XXXX a month. XXXX i wasnt able to pay anything. The account is almost in default. Charges are XXXX. The harassing phone calls began. I asked them to stop and they have not. Calls are made 4 times a day everyday every week. On XXXX i again asked to stop. They said i was getting smart with them. Then stated calls would n't stop until that payment was made.
Consumer complaint received 2021-05-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I entered forbearance for three months-XXXX XXXX -- -- I was told by Shellpoint mortgage that I could put this at the end of my mortgage. I have been told to only talk with XXXX XXXX -- -- I call -her message says she will get back with me the next day -- -she never dose -- -her email undeliverable??? 
Three weeks of XXXX. 
I got someone yesterday he asked all kinds of personal questions but could not answer mine -- -- -What are my options? He kept saying state your forbearance is over and we can talk???? 

I pay these people a lot of money every year and when I have a situation its the finger -- -- -- when I call now I am in a loop. 

Why can't they just talk like human beings???? 

So I do believe the guy extented my forbearance -- -I asked for one month -- he gave me 3 -- -- -- wonder what they are up to -- -- -get me in a hole I can't get out and they steal my home. 

Why are companies or crooks allowed to exist like this-on line I see all kinds of complaints about this company -- -Shellpoint -- -- and I do believe owned by NewRez ??? -- -i did send NewRez a email on what is happening.
Consumer complaint received 2017-09-09
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)

My information has been compromised by an Equifax Data Breech. Equifax offered a website to check if I had been impacted, and I was. The impact includes my SSN, DOB, Full Name, and credit card numbers. Their offer was to have one year of credit monitoring, with a company of their choice, free. Choosing this would also bind me into an arbitration clause and not allow me to pursue other remedies easily, later. I do not believe this to be adequate.
Consumer complaint received 2021-05-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (NC)

On XX/XX/21 I reached out to Loan Depot to refinance my rental property. I spoke with a XXXX XXXX on the phone for about 30 minutes. He specifically asked me to provide a credit card authorization to charge for a credit report, which I did. He also sent me to their portal where I signed to authorize the {$21.00}. 
Later That evening I received two emails, one regarding the fee for the credit report and another regarding a fee of {$490.00} for an appraisal which we never discussed. I immediately sent XXXX a text message questioning the appraisal fee in the absence of a pre approval. 
Mi d you, this gentleman lists his availability as Thursday thru Sunday but did not respond to my text. I called and left a vm. By Sunday I was angry and them sent an email canceling the loan request. Finally on Sunday he responded to my request to cancel sending me a text that he would cancel my request with no mention of the credit card charge. 
After more than 10 days I called my bank and canceled the card and they rejected the {$490.00}. charge and from Loan Depot. 
This company is shady and takes shortcuts. Just thinking if I had provided my debit card they would have wiped out my account.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

I have a entry from XXXX on my credit report from Experian. Notation says that the account was open in XXXX, but there is no payment history on the report for a 4-year period, from XXXX to XXXX. 

I have written Experian about this several times, and also called in to have an investigation done., to no avail. 

I am requesting that XXXX be deleted from my report for inaccurate and incomplete information.
Consumer complaint received 2023-01-03
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. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to express my profound frustration and disappointment regarding the ongoing presence of fraudulent items on my account, despite my persistent efforts and numerous follow-ups to have them removed. This marks the 13th time I have brought this matter to your attention, and yet, it remains unresolved, which is utterly unacceptable. 

The continual presence of these fraudulent items not only undermines the integrity of my account but also poses a serious threat to my financial security. Moreover, the prolonged delay in resolving this matter reflects poorly on your institution 's commitment to customer service and accountability. 

Furthermore, I expect transparent communication throughout this process, including regular updates on the status of my complaint and the steps being taken to address it. 

Failure to resolve this matter satisfactorily will leave me with no choice but to escalate this complaint to higher authorities and explore legal avenues to seek redressXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IN)

I've recently checked my credit report and noticed items that didn't belong to me and accounts that i did not give consent or authorization for these accounts to be furnished I have reason to believe that this is a violation of my consumer rights under the FCRA none of these accounts have been validated by me the consumer