davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-01
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. (FL)

I have a charge off on my account that IS NOT a charge off. 

Payment to XXXX holder ( if applicable ) {$11000.00} - XXXX XXXX XXXX XXXX XXXX XXXX You {$3400.00} - XXXX XXXX XXXX XXXX Equifax has not verified the payment received for the XXXX day payoff that my insurer paid to this lender in full. This is very unsettling as I have been attempting to resolve this but it just keeps going after evidence is presented. I am not sure where to go from here but I do know I will continue my dispute for this account as it is inaccurate. 

My vehicle was declared a total loss with my insurer, XXXX XXXX in XX/XX/2020. At that point, XXXX XXXX contacted my auto lender, XXXX XXXX XXXX. XXXX XXXX then in turn received a payoff in the full amount of which was valid for XXXX days via whatever portal these companies utilize. XXXX XXXX issued the payment and it was cleared. I even received {$3500.00} AFTER this account was paid in full as per the documents attached. I have been trying to get this off my credit fill and been in contact with XXXX who has been unwilling to assist and hung up on me multiple times nor responded to my e-mails. XXXX is not even affiliated with the XXXX and I have filed a report with them as well. I did contact State Farm who paid off XXXX for this loan IN FULL and they were kind enough to provide me with secured e-mail transcripts showing where a loan insurer with XXXX DID receive the payoff AND released the title to the vehicle. Documentation is attached showing the communication between XXXX and XXXX XXXX ( who paid this off XXXX XXXX with a XXXX day payoff they received ). 

ALL of this account is inaccurate with payment history not reflecting from my insurer, etc..it shows the last payment was on XX/XX/2020 HOWEVER, a payment in full for a XXXX day payoff quote was made on XX/XX/2020. 

This account needs to be removed immediately due to FALSE reporting from the furnisher.
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 60 days later I have not received a response yet. I also sent another letter on XXXX And still nothing! I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or will file for litigation due to high stress from this horrible experience, this isn't right! My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. 

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP I will not wait another 50 days to receive no response because clearly you all are ignoring me.
Consumer complaint received 2022-02-01
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. (GA)

I have reached out to the major credit bureaus about inaccurate information being reported on my credit file. I requested my recent credit file report I have noticed several inaccuracies on my file other names, addresses including a bankruptcy public report. I have no knowledge I attached a letter from XXXX XXXX whom the credit bureaus stated the information was retrieved from. XXXX XXXX have deleted the information out their system from their file. I would like this information to be deleted from the three major credit bureaus I have sent all documents from my local city bankruptcy court anXXXX XXXX  XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq states accurate information must be reported Please delete this bankruptcy from my report
Consumer complaint received 2022-02-01
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. (MI)

In XXXX of 2020, my Chapter XXXX bankruptcy was XXXX. My mortgage was a continuing claim meaning I stayed in the house and continued to pay mortgage payments throughout and after the bankruptcy. 

Experian and XXXX are not reporting my mortgage information even though the mortgage company reports to all three bureaus each month. XXXX is the only bureau reporting. 

My bankruptcy attorney and I have tried to get this rectified. My attorney talked with the mortgage company 's attorney and it was determined that XXXX XXXX is reporting the mortgage but the XXXX named bureaus are refusing to enter the information on my credit report. 

I was asked for a copy of my mortgage statement in XXXX, which I supplied but nothing has been corrected on my report. 

On my last conversation the representative at Experian said he was completing the paperwork that should resolve the issue within 5 days but that has not happened. 

When calculating credit scores, account mix is a relevant factor. The score from the bureau that is reporting my mortgage is XXXX points higher than Experian and XXXX scores ! 

Their refusal to report my mortgage is costing me money in higher interest rates. I want to refinance my car loan, but I want the information contained in my credit report to be complete and accurate before I apply.
Consumer complaint received 2019-09-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (MI)

In XXXX of last year, I opened a PayPal credit account with a credit limit of {$1000.00} dollars. I charged {$390.00} to this account. Every time I would try to make a payment, PayPal would freeze up on accepting my bank information ( I bank with a small credit union ) and it would show the linking bank loading screen for about a half hour. PayPal did not accept debt card payments, only linked bank accounts. I went through huge hassles trying to make payments on this, sending money to friends and having them PayPal me money so it would be in my PayPal account so I could then transfer it to my credit account to make a payment. During the time I am trying to figure out how to pay it, PayPal is racking me up with late fees. I called PayPal about this and described exactly the issue and asked them to remove the late fees, as I was never informed when I opened this account that I would have absolutely no feasible way to make payments on it without jumping through extreme hoops. They agreed to drop the late fees and I made a payment via phone for the remaining balance that owed ( minus the fees ) on the account.

Synchrony Bank now handles PayPal credit debt and they call me at least XXXX times a day, email me at least once a day, with multiple letters in my mailbox stating that I owe {$460.00} on the account, which is more than I ever charged to the credit account, not even taking into consideration the {$390.00} I already paid PayPal. None of these letters included a statement of my right to dispute the debt. Additionally, when I login to my PayPal credit account it prompts me with a screen to enter my phone number and authorize Synchrony Bank to contact me at that number ... but they have already been contacting me for months at this number.
Consumer complaint received 2020-08-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase closed my account without acknowledging me. They never took care of old issues. Still I can not get through. Chase does not have my address to send check. My unemploysas being deposited and I want it to go through. Chase refuses to respond to 10 calls yesterday.
Consumer complaint received 2019-09-24
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 — Was not notified of investigation status or results
Company: STATEWIDE AUTO SALES (CA)

I purchased a vehicle from statewide auto in XXXX  XXXX California. My vehicle was repossessed, I contacted the local to Police Department and advised him I then contacted statewide auto they told me to pay the tow truck driver and he wont release my vehicle to me I did that I believe this was on XX/XX/XXXX or approximately, I waited to receive my pink slip in the mail I never received it I wanted to XXXX and learn that it had been a lien or hold placed on my vehicle. I contacted the company was unsuccessful getting in contact with anyone I was told that one of their employees have passed away who had my foul in any information about my case I then noticed a couple of months later that they reported this to my credit report as a {$55000.00} debt. I have sent all supporting information to all three we are XXXX times no information was successful I am accidents now remove this from my credit
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( XXXX ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( XXXX ). Per 15 USC 1681 ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2022-02-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (TX)

I have mailed letters to Vance & Huffman Llc as well as spoke on the phone with the company stating I need validation of this debt they claim I owe. I have yet to receive a contract with my signature, nor have I received any form of mail correspondence pertaining to this debt. They are reporting on my credit which effects my employment. I spoke to the original creditor and was told that I have a XXXX balance with the company. I request that this account be closed and removed from my credit due to the fact I don't owe this debt and the company has failed to provide any documentation which is a violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2023-07-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I'M A VICTIM OF IDENTITY THEFT. THIS IS MY 5TH REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Consumer complaint received 2021-01-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP (NY)

I received a US Bank Reliacard in the mail Saturday, XX/XX/2021. I activated it because I thought it was the XXXX XXXX card I was expecting, ( had to close my original due to fraudulent charges ). I then decided to call US Bank to cancel the account and they said it was opened by the Ohio dept. of unemployment services. 
In the meantime, I put a freeze on new credit accounts through XXXX. I verified on XX/XX/XXXX that a new inquiry had been placed by the US SBA.
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

CapitalOne offers a service called " virtual card numbers '' to supposedly protect the consumer from their information being stolen. However, every time I use a virtual card number, I am charged XXXX, making the total pending charges DOUBLE. I have to wait days for this to resolve. This is a consistent issue with CapitalOne and when I called them they had no resolution other than to wait for it to post and to then call again to dispute the charge. 

This is a product that is supposed to protect consumers from fradulent activity. However, it appears the entity to be afraid of here is CapitalOne itself. I do not want to use this product supposedly designed to protect me if it in fact hurts me, my credit score, and my overall financial wellbeing. 

When I called about this problem, CapitalOne sent me to XXXX different departments. They keep giving me canned non-answers and have no interest or means to resolve this systemic issue with me. In the end, I asked to make a formal complaint. I am still on hold waiting for the information to file a formal complaint with CapitalOne, which has been ample time to file this complaint with the CFPB instead.
Consumer complaint received 2023-02-20
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. (IL)

Loan was forgiven and removed in XXXX now its new as counts open saying XXXX all are incorrect there was never any late payment history Ive lost 125 points in 3 DAYS from XXXX they say its verified but hasnt produced and proof
Consumer complaint received 2022-02-02
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. (CA)

The XXXX XXXX XXXX account # XXXX is fraudulent and is not mine. By law as a consumer, they can not report this to my report without my consent under 15 USC section 1681b yet you keep reporting this information on my report. I have been trying to dispute this information off my report for over 6 months which is a violation as well under 15 USC 1681B-2 as they failed to notate this account as under dispute. This account is false and misleading and is hurting my reputation and holding me back from applying for things. It's sad that even though I have the say of what goes on my credit report or not as the original creditor/obligor, these bureaus still continue report fraudulent items as if they own my personal information. This will be my final attempt to resolve this issue. If this issue is not resolved within 15 days of this complaint being received, I will be more than glad to seek monetary compensation for the mental harassment, abuse and trauma you have committed under 15 USC 1692d.
Consumer complaint received 2021-01-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC (IL)

Hello, On XX/XX/XXXX I requested a monthly contract on my vehicle payment. The finance company CNAC asked me to provide my new insurance card by XXXX on that day and they would issue a new contract stating that my payments would be moved to a monthly frequency instead of bi-weekly. This arrangement was discussed over the phone with Account XXXX XXXX XXXX. XXXX, after receiving my renewed insurance card for the vehicle emailed a new contract via docusign for me to agree to the terms and provide a signature for my new monthly contract of {$430.00} Since then, CNAC have not changed my terms in the website portal and continue to state that I have a late payment due. I have never been late on any car payments. They never changed my due date in their system. I have received calls of harrassment and on Saturday, XX/XX/XXXX, I received a letter from CNAC threatening they would pursue actions to possess my vehicle. 

I need legal help in this matter. I have a signed contract as of XX/XX/XXXX from the Account XXXX XXXX XXXX stating that my new first payment date is XX/XX/XXXX. This company have harrassed me every day for a week now asking about a payment. At this point it is a breach of contract. And I need EQUITABLE RELIEF. 

Please assist asap! 

Thank you!
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

I have on numerous occasions attempted to rectify a few discrepancies within my consumer report. Under the law, it is the job of the consumer reporting agency to make sure that the information that they are reporting is accurate. As the consumer I have notified the agency to remove the following items : 1. 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 To date, these unverifiable accounts remain on my consumer report. 
The consumer reporting agency should be able to see that these items have been previously disputed without a proper investigation/ or verification method. I am requesting that the consumer reporting agency reinvestigate these accounts by manual verification. If any item is to come back as verified please provide this information pursuant to 15 US Code 1681 ( i ) ( 6 ) ( b ) ( iii ) : 1. A description of the procedure 2. Name of the business 3. Business address 4. Business phone number 5. Name of the agent 6. Most importantly, if my personal information such as my date of birth, ssn, and/or address was provided to you without my consent for verification purposes.
Consumer complaint received 2022-02-02
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Passport, ID, Identity Theft report
Consumer complaint received 2022-02-02
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 (CA)

My name is XXXX XXXX XXXX and we ( wife and I ) purchased a floor heater from XXXX XXXX XXXX because we had to keep lighting the old XXXX from under the house. The company promised us the unit would work for the downstairs of our house, but that was not the case. We tried to resolve this with the company, but they did not want to help us. We then did stop payment on the charge, which Capital One did, but when the customer disputed it, the charge was back on our account. Capital One explains that we have to get another XXXX person to prove that the unit is not working to specific specs. I explained that we should not have to pay for an HVAC person and they should take our word on what we rebuttal back. Also, what XXXX person is going to know what is going on with this unit, they did not install it or buy it, XXXX XXXX did! All of our voice conversations happened over the phone with Capital One on XX/XX/2022. I have written a formal complaint letter to Capital One CEO. Basically, the heating unit does not heat the downstairs and kicks off all the time and this was not explained to us on the day of the purchase by the sales rep XXXX. This happened weeks later, because they did not know anything about unit. The amount was XXXX total.
Consumer complaint received 2022-02-02
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: SYNCHRONY FINANCIAL (MO)

On XX/XX/2022 TJ max synchrony bank mislead and pulled my XXXX  and XXXX  report without my consent, both reports have fraud alerts with my cellphone number attached no one from synchrony attempted to reach out to myself for the verification questions prior to the act. Upon calling Synchrony customer service an citing the problem the agents also attempted to gain access to my credit report by asking for my Full social security number, tj maxx synchrony bank was never given my full 9 digit ssn and had their website set up in a deceitful manner leading consumers to believe this was a simple pre-qualification vs a hard pull. Synchrony bank hire and train agents to practice daily deceptive and predatory loan practices steer clear of them.