davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-14
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am TRULY angry with Capital One I have insisted with several letters that I want to continue with dispute as I am negotiating this charge with ASSUMPTION. I send a explicit letter stating I am taking legal action now and continue this dispute. YET i see Capital rebill charge on XX/XX/XXXX, {$210.00} Please credit XXXX  again XXXX as I am disputing with Assumption still! 
If this continues to happen where I am not the customer in control I will use other credit cards i await XXXX {$210.00} I have given fully my side of dispute. Assumption ignores all circumstances of my dispute and tells Capital no details behind the dispute
Consumer complaint received 2021-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I submitted a payment on my account but the payment was returned two days later and I was not aware of that. Nobody ever called me or told me. I didn't know about it until I logged in my account. I then submitted another payment of {$5500.00} to get it current but the late payments were never removed. I noticed that under the CARES Act I am not to be reported as being late.
Consumer complaint received 2021-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Consumer complaint received 2021-03-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc. (CA)

I canceled my auto insurance with XXXX in XX/XX/XXXX, then they sent me a closing bill covering the final month of coverage which they informed me I would not be charged. I believe it was XX/XX/XXXX I noticed a collection from AWA Collection service and I contacted them regarding collection and they said it was for XXXX ( XXXX XXXX XXXX XXXX  ). I contacted XXXX and they could not find any collection for me. I recently saw on my credit report the collection is still there and it showed the reason my score was lower and AWA added to the balance. I do not owe any funds and they are not removing the false charge and they are adding to the alleged amount owed. I hope you can help, my credit score is near XXXX and I must keep it there, I always pay my bills, but I do not owe this one.
Consumer complaint received 2021-03-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: U.S. BANCORP (TX)

On XX/XX/XXXX, we turned in the XXXX XXXX leased from XXXX dealership in XXXX. Lease # XXXX through US BANK.The dealership did not ground the car and we get a bill for in XXXX for {$72000.00}. We went back to the dealership and they cut us a check {$720.00} what was owed to us bank.than we get another bill for wear and tear and extra mileage and extra rent that was due.for {$360.00}. Total bill {$1900.00}. We paid the {$360.00} to end of lease payment. I wrote US Bank on XX/XX/XXXX asking for a breakdown of where this extra rent payment of {$36000.00} came from and a wear tear statement when turned the car in back in XXXX, We have not had this XXXX since XXXX and have since got another XXXX back in XXXX. Received no breakdown from us bank, just another demand notice aski g for now {$1500.00}.
Consumer complaint received 2021-03-13
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: COMMERCE BANK (MO)

An account was open in my name by the bank fraudulently and i attempted to investage the problewms 2 years ago when it was first opened and i was not notified of what was going on with the account. Since they have told me the account was properly closed and was no penalties against my name however i viewed my reporr and there is still a closed account with 3 missed payments on a fraud XXXX account with the bank providers. They are in violation of my fcra and i have not got anything in the mail ever in the 2 uears i been fighting them off my name.
Consumer complaint received 2021-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I called and spoke to the credit bureau about the items and was informed that they would be removed. I provided everything that was asked of me. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-03-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Management Control, Inc. (MO)

The company continues to violate my hippa right along with the violations of the fcra! they have dailed to reach me in 30 but as well as up to 90 days without contact thats 3 repoeting cicles! with no mailed wet signitures or proof of this debt. So please contact them in this regard.
Consumer complaint received 2021-03-14
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: BARCLAYS BANK DELAWARE (CO)

This account ending in XXXX does not belong to me. It is currently reporting as a charged off account. My correct account with Barclays Bank is in good standing. I do not know where the charged off account originated from. I demand the erroneous account information be deleted immediately. 

Thank you for your assistance with this matter.
Consumer complaint received 2023-05-18
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: EQUIFAX, INC. (GA)

I would like to file a claim against XXXX, Equifax, and XXXX to remove in correct information from my credit report. I file a dispute through XXXX to remove information from my credit report that's does not correct on XX/XX/23. XXXX responded stating that all information was removed and requested XXXX, Equifax, and XXXX to remove the same information as well. However, all of the incorrect information still remains. Therefore, they are in violation of the following 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2021-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

Beginning XX/XX/2017, I closed all my credit cards and loan accounts. I legally closed all of these accounts with the help of XXXX XXXX XXXX ( " XXXX '' ). XXXX guaranteed me all these accounts were closed. In addition, XXXX promised that they were consolidating all these accounts into one payment of {$690.00} through their sister company, XXXX XXXX. These are the following accounts closed in 2017 : 1. XXXX XXXX XXXX ; 2. XXXX  XXXX ; 3. XXXX XXXX XXXX ; 4. XXXX XXXX XXXXXXXX XXXX ; 5. XXXX XXXX XXXX ; 6. XXXX XXXX ; 7. XXXX XXXXXXXX XXXX ; 8. XXXX XXXXXXXX XXXX ; 9. XXXX XXXX XXXX ; 10. XXXX XXXX ; 11. XXXX XXXX ; & 12. XXXX XXXX. 
Since that time, I have paid off all these accounts except for three ( XXXX XXXX, XXXX XXXX, & XXXX XXXX XXXX ). However, I have noticed that the information being reported on my credit reports by Trans Union is incorrect. Trans Union shows that my accounts went into default : past 30 days, 60 days, 90 days, etc. These accounts were closed before they started going into default. I have been disputing this incorrect information with Trans Union for a few years now. Unfortunately, they continue to report incorrect information on my credit report. 
Trans Union claims to have investigated the disputes. By whom? An independendant investigation company or their own biased investigators. In the last four years, I have suffered mentally, financially as a result of these negative remarks on my credit report. Their negative remarks on my credit report continue to bar me from obtaining automobilbe loans, personal loans, & credit cards.
Consumer complaint received 2023-08-08
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. (CA)

I recently filed a complaint for investigation # XXXX. The investigation took more than 40 days. I never got a copy of the Investigation Results through US mail.

Regarding your method of verification : I want to know who you spoke to, who you interviewed, and how you determined the information was factual. Which neighbors, friends or associates you spoke with. Please provide names and addresses. I am looking for a detailed description of what happened. You guys assumed this role without my permission and did not have my consent. You did NOT respect my RIGHT TO PRIVACY! You did not exercise your grave responsibility, you were unfair and you were partial. You did not have a permissible purpose. I never instructed you guys to furnish this report.

I AM DEMANDING the following accounts are deleted off my report. 

XXXX  XXXX XXXX # XXXX should not be on this report! You are violating MY RIGHT TO PRIVACY! 

XXXX XXXX XXXX XXXX # XXXX should not be on this report! You are violating MY RIGHT TO PRIVACY!
Consumer complaint received 2023-01-05
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. (NC)

I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Experian de-facto prevents consumers like myself from placing a security freeze. This action is either due to extreme negligence as a minimum, or, possibly deliberate. I had provided all the necessary information to Experian via their online system to identify me and place a security freeze ( SSN, address, answered numerous questions ), however, Experience refuses to place a freeze and requests me to send them highly sensitive and private information by mail, thus exposing me to extreme identity theft risk. I have 25 years of credit history and I even have online account with Experian - and they had no problem creating an account for me earlier and trying to sell me their rip-off services ( that should be free in a civilized country ), so clearly they have no problem with my identity for purposes of selling me my own credit info-related stuff yet they refuse to place a freeze. US mail is disappearing right now and I had an instance of open mail/theft by USPS employee last year ( that is being investigated by Postal Inspector ). It is not safe to send SSN and similar document copies requested by Experian by mail. Neither I see why I should spend a lot of money for overnight/signature-required mail ( which is more secure ) just to play along illegal games by Experian agency. I had no problems with other consumer agencies ( XXXX XXXX ) and was able to place a security freeze with no hassle with them, I also was not prevented from placing a XXXX freeze : clearly the problem is limited to Experian and their illegal practices exposing US consumers to identity theft.I already was victimized by XXXX information breach : why does US government continues to allow this abuse to happen and for these monopoly agencies, that destroy Americans ' livelihoods, to expose people to identity theft? Please act to immediately stop Experian from continuing these illegal and abusive practices. There's evidence online that Experian does the same to people trying to lift their freeze, refuses to take a correct pin and requests sensitive info sent by mail. I was not able to place a freeze with Experian after spending long time entering all my information, yet, Please stop consumer abuse by Experian.
Consumer complaint received 2021-04-02
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: EQUIFAX, INC. (NY)

I am a victim of Identity theft. Under Section 1681c-2 of the FCRA, I meet all the requirements for a block of the fraudulent information on my report. My identification which is attached to this letter, a copy of my identity theft report which is also attached, the information that I request to be blocked is listed on the FTC report. This information is not related to any transaction of mine. The accounts that are fraudulent on my report are on the FTC report. I have also attached a Notarized letter stating it is in fact me sending out this dispute. I expect these accounts to be blocked and removed within 4 business days in accordance with the law.
Consumer complaint received 2021-03-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (PA)

I am refinancing a mortgage through better.com. They have made several errors throughout the application process, which I have tolerated in order to close the refinance. However, we have now exceeded the lock-in period, due to a delay in receiving archived documentation from a subordinated forgivable loan. To extend my rate, I am being charged in points at a total of {$490.00} per week until a promissory note is provided by the subordinating subordinating lender. 
As I submit this complaint today, it is XX/XX/XXXX. I was told on XX/XX/XXXX " not to worry '' about these documents, but then on XX/XX/XXXX, that they are " needed ''. 
In addition, I am also asked to provide " monthly statements '' for this loan, which do not exist as it is a forgivable loan. These are the 2 reasons Better.com have given for not being able to close and charging me these fees. 
The subordinating lender does not have any idea how long it will take then to find the promissory note - they are a small office hampered by COVID-19. They have provided written assurances to the lender regarding the terms of the forgivable loan, but these have been deemed unacceptable.
Consumer complaint received 2021-03-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (CA)

XX/XX/19 opened account with Gemini, transferred in {$100.00} to purchase XXXX. Unable to withdraw funds until account is verified. Have been pending verification since XX/XX/19. No customer service support available.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am writing to formally dispute the presence of an inaccurate hard inquiry on my credit report. The inquiry in question is attributed to XXXX XXXX and has had a negative impact on my credit profile. 
Upon reviewing my credit report, I noticed that a hard inquiry from XXXX XXXX was listed, dated XXXX XXXX. However, I have not initiated any credit-related activity or authorized any credit inquiry from XXXX XXXX XXXX or around that date. 
I must emphasize that this inquiry is not reflective of any credit application or authorization made by me. I have taken proactive steps to maintain a responsible credit history, and any unauthorized inquiry goes against my efforts to manage my credit responsibly. 
In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am formally requesting a thorough investigation into this matter. I kindly ask that you promptly verify the accuracy of the XXXX XXXX hard inquiry and provide a detailed explanation of its origin.
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I completed a short sale XX/XX/2016. Mortgage was paid in full, yet the accounts still appears on my credit report as delinquent. I've contacted all 3 credit bureaus about removing the accounts numerous of times. My request have been ignored. Can you please assist me? I feel like I'm being treated unfairly. My last attempt to remove these items cause my credit score to drop. This is odd to me because, my credit utilization lower than it has been in months. and my payment history is at 100 %. My last late payment on my report is the actual mortgage itself. This system seems to be rigged in a way where it leaves people at the mercy of the credit bureaus. Please have them do the right thing here. If you investigate my history, you'll see everything that I'm saying is accurate.
Consumer complaint received 2021-03-15
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. (NY)

Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave XXXX any written consent to report anything on my credit report. No consent is IDENTITY THEFT.
Consumer complaint received 2021-03-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (FL)

on XXXX i sent a dispute letter to validate the alleged debt CMRE finance has on my credit report. They didnt respond to my dispute letter, so thats tell me they cant verify it. By law if you cant send me proof of a signed contract, it must be deleted.

As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (AZ)

Re : Complaint ID XXXX Despite assurance in writing from Specialized Loan Servicing, dated XX/XX/XXXX, that " An escalated manual update to remove negative credit reporting for XX/XX/XXXX and XX/XX/XXXX has been sent to the credit reporting agencies '', XXXX  still shows us 30 days late on the mortgage Loan No. XXXX. 

This loan was paid in full on XX/XX/XXXX and we were never late on any of our monthly payments. We had excellent credit. The title company, XXXX XXXX XXXX, erred in the payoff process when we sold the property by sending an incorrect payoff amount to Specialized Loan Servicing. Specialized Loan Servicing was extremely uncooperative throughout the process of getting that situation rectified. Instead of working with the title company, Specialized Loan Servicing reported us 90 days late to all three credit reporting agencies. That action has been extremely detrimental to our credit scores. 

Thanks to CFPB, Specialized Loan Servicing responded to our original complaint. Two of the credit reporting agencies have since removed the negative credit reporting. However, XXXX  still shows us 30 days late on the mortgage. The negative credit reporting continues to impact our lives. 

This issue has been ongoing since XX/XX/XXXX. We have spent countless hours trying to resolve this matter.
Consumer complaint received 2021-03-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc. (MI)

On XX/XX/XXXX of XXXX my credit union, XXXXXXXX XXXX XXXXXXXX XXXX, mailed out checks to GM Financial to pay off a loan for a XXXX XXXX XXXX XXXX that I was purchasing from someone that had a loan through them. The previous owner said he didnt have the title for the car and that GM Financial had the title until the car was paid off. My credit union and I have tried multiple times to get ahold of GM Financial to get the title and pay off sent to us and still have not been able to reach them or hear anything back from them.
Consumer complaint received 2023-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

I noticed that Transworld Systems was reporting a collection account with XXXX XXXX XXXX XXXX on my credit report. I am not familiar with this account. I reached out to Transworld Systems several times via letters asking them to validate this account or remove it from credit report and they have not responed to any of my letters.
Consumer complaint received 2021-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (WV)

AmeriHome has a mortgage under my name in their online system that is not mine. I am not the homeowner. I do not live at the address. I am getting emails about this loan and I cant get the company to remove the loan from my profile online. Please help me as I have no loan with this company. My loan was paid off in XXXX.