davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-25
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. (IL)

Previously, I filed Complaint with CFPB COMPLAINT ID : XXXX. 
But I am not satisfied with an answer from EQUIFAX because it doesn't have proper answer rather just general information. If they don't have specific information then they should have asked rather than closed the complaint. They are asking to call or email on such and such contact but they never provide solution. You can hear recording of my previous call, how much hard time I faced during call to explain the concern person and he ended up by hung up my call. 

My problem is there is comment on my Equifax report stating " REMARK HAS BEEN ADDED TO YOUR XXXX  XXXX XXXX CREDIT CARD '', now I don't know where this remark came from even if my amounts are paid off. When I asked about this to XXXX  XXXX XXXX, they said just contact Credit Reporting Bureau, they have nothing to do on their side. Its credit reporting company who adding such remarks. So, I just want to know who will tell me the facts rather than playing ball passing game. 


Here is the Response from EQUIFAX for my Past Complaint : " '' '' '' Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to take each complaint seriously and to respond to complaints swiftly. We have reviewed and considered the information you supplied through the CFPB Complaint Portal. The results are below : Please be advised that there are hundreds of credit scoring models and they are derived from mathematical formulas which are calculated from elements on the credit file. Information is reported to Equifax continually and the content of your credit file may change, which may impact your credit score depending on the model. No score is part of the credit file and therefore can not be disputed. Please also note that lenders have their own criteria for granting or denying a service or benefit based upon any particular score. Unfortunately, we are unable to proceed with an investigation of the concerns raised in Please be specific with your concerns by listing the account names, numbers, and the nature of the dispute. If you have any additional questions or concerns regarding the results of the investigation and/or your Equifax Credit Report, please visit us at  www.myEquifax.com. At myEquifax, you may sign in or create a free account where you can manage your security freeze, fraud alert, and disputes and access free Equifax credit reports and other products. You may also contact us at XXXX to speak to a Customer Service Representative. '' '' ''
Consumer complaint received 2023-01-06
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. I need the account corrected XXXX : XXXX XXXX
Consumer complaint received 2022-11-06
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. (SD)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy 15 USC 1681 Section 604a section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

my loan was sold to NewRez. I paid my XXXX payment on the XXXX of XXXX but sent it to the wrong servicer. NewRez has two companies that service the loans they buy. XXXX and Shellpoint. I sent the payment to Shellpoint but it should have gone to XXXX. Shellpoint did not forward the payment to XXXX and has not returned my {$1700.00}. 

Shellpoint has admitted they have my money after I sent them proof that they received the payment through XXXX XXXX  by check, they have not returned my {$1700.00}. 

Now some confusion comes in because there are 3 people on title. Although the statement only has room for 2, my name is not reflected on the statements. But I am the managing partner and I deal with all the payments. 

At this point in time, I am at a loss of what to do. Maybe if the CFPB gets involved, it will force them to return my money. 

Please advise, XXXX XXXX XXXX
Consumer complaint received 2020-09-28
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: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Incorrect information on credit report, wrong names, social security number is wrong, address, contact information is incorrect, employment is incorrect as well. 

please remove all the incorrect information as followed : Names : - XXXX XXXX XXXX PLEASE REMOVE INCORRECT SOCIAL SECURITY # : / XXXX PLEASE REMOVE INCORRECT PHONE NUMBERS : XXXX, XXXX XXXX, XXXX XXXX PLEASE REMOVE INCORRECT EMPLOYERS : XXXX, XXXX XXXX, INTERENAL REVENUE SERVICE PLEASE REMOVE INCORRECT ADDRESSES : - XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX, TX XXXX XXXX PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX - XXXX REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX XXXX PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX # XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX, TN XXXX XXXX PLEASE REMOVE INCORRECT ACCOUNTS : XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX   : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX
Consumer complaint received 2020-09-28
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: CURO Intermediate Holdings (TN)

Incorrect information on credit report, wrong names, social security number is wrong, address, contact information is incorrect, employment is incorrect as well. 

please remove all the incorrect information as followed : Names : - XXXX XXXX XXXX PLEASE REMOVE INCORRECT SOCIAL SECURITY # : / XXXX PLEASE REMOVE INCORRECT PHONE NUMBERS : XXXX, XXXX XXXX, XXXX XXXX PLEASE REMOVE INCORRECT EMPLOYERS : XXXX, XXXX XXXX, XXXX XXXX  XXXX  PLEASE REMOVE INCORRECT ADDRESSES : - XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX, TX XXXX XXXX PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX XXXX PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX # XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX, TN XXXX XXXX PLEASE REMOVE INCORRECT ACCOUNTS : XXXX  XXXX XXXX  : XXXX XXXX/ XXXX XXXX  : XXXX XXXX  XXXX XXXX XXXX  XXXX : XXXX XXXX : XXXX XXXX   XXXX  : XXXX XXXX  XXXX  : XXXX
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I pursued a loan/installment plan from XXXXXXXX XXXX XXXX XXXX, and many red flags of illicit activity arose. The evidence is overwhelmingly clear that XXXX XXXX  is a scam. I have reported them to the CFPB five times ( the previous ones attached here ), and the last time I also forwarded the evidence to the Federal Bureau of Investigation XXXX Federal Reserve, Federal Trade Commission, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and the Securities and Exchange Commission to ensure this matter is thoroughly investigated and accountability takes place. 

Credit bureaus : DO NOT allow any information or activity associated with XXXX XXXX  to be factored into my credit score at all. They are not a legitimate company or service. And please do not respond here with a series of graphs, numbers, etc. that imply their " loan '' is valid. Because it is not. Erase them entirely.
Consumer complaint received 2020-09-28
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. (IL)

In XXXX XXXX XXXX XXXX charged off an auto loan which became delinquent due to deceptive practices. In XX/XX/XXXX the creditor, XXXX XXXX XXXX, sent me a 1099-c document of Debt Cancellation/Forgiveness of the account. They have since continued reporting the account as a Charge Off instead of accurately reporting the account as Cancelled/ Forgiven. I have contacted the creditor and the credit bureaus and they each refuse to update the account to reflect accurately as a cancelled/forgiven debt or complete removal.
Consumer complaint received 2020-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a credit card approval. The accounts listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX
Consumer complaint received 2020-09-28
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: EQUIFAX, INC. (MD)

I submitted the required documentation to Equifax on XX/XX/XXXX, the package was sent priority mail USPS, the tracking number is XXXX which shows delivered on the XXXX of XXXX. Today I received a letter from Equifax stating to send the same pieces of identification, after previously sending my social security card, driver license, and passport. I need the consumer finance to intervene and ensure the data is accurately reported.
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

ON XX/XX/2020, I SENT A LETTER TO EACH OF THE BUREAUS ( TRANSUNION, XXXX, AND XXXX ) DISPUTING THE INACCURATE AND INCOMPLETE ITEMS THAT THEY ARE REPORTING ON MY CREDIT REPORT AND HAVEN'T RECEIVE ANYTHING THUS FAR.I ALSO ATTACH COPIES OF THE LETTERS BELOW.
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (NY)

This bank is crazy they wont let me use my card or account I recently reported and received a new one all my charges are declined each time I call they said they cleared it and now they shutdown my card and want to send me another card when I just received the replacement last week this is ridiculous why wont they leave me alone their security dept is so annoying when their is no fraud happening they decline my transactions and wont let me use my card for daily purchases
Consumer complaint received 2022-11-06
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. (NY)

I pursued a loan/installment plan from XXXX XXXX  XXXX XXXX, and many red flags of illicit activity arose. The evidence is overwhelmingly clear that XXXX XXXX  is a scam. I have reported them to the CFPB five times ( the previous ones attached here ), and the last time I also forwarded the evidence to the Federal Bureau of Investigation XXXX Federal Reserve, Federal Trade Commission, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and the Securities and Exchange Commission to ensure this matter is thoroughly investigated and accountability takes place. 

Credit bureaus : DO NOT allow any information or activity associated with XXXX XXXX  to be factored into my credit score at all. They are not a legitimate company or service. And please do not respond here with a series of graphs, numbers, etc. that imply their " loan '' is valid. Because it is not. Erase them entirely.
Consumer complaint received 2020-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

XXXX went bankrupt, and XXXX took over my mortgage servicing. In the process XXXX didn't receive adequate money from XXXX, and are now telling me that I owe them one month 's payment. Not only do I not owe them anything, but they owe me a payment that I overpaid by paying both XXXX and XXXX for the month of XXXX of XXXX. I have sent proof of payments, which were never delinquent, as all payments were done via autopay by XXXX   XXXX XXXX. Trace IDs were provided. 
Every time I call they say there isn't adequate proof of payment. Spoke to few managers who confirmed they have everything they need and should be able to process my refund, but nothing ever comes of it. Have recorded conversations. 
XXXX received payments on XXXX and XX/XX/XXXX, and XXXX received payments on XX/XX/XXXX and XXXX ( which is a double payment for XXXX.
Consumer complaint received 2023-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (MA)

Spring Oaks Capital LLC responded that they are sending me documentation that they have of the account that I disputed, all that they are providing is a contract with the original creditor, and account statements, first of all I do not or have I ever had a signed contract with Spring Oaks Capital LLC, if they are claiming that they bought this debt from the original creditor. I want to see the contract that they are claiming that they have, I want to see my signature on the contract. Copies of account statements do not prove that this debt is mine, if we have to go to court, which I am willing to, I will ask that my lawyer asks the court to demand Spring Oaks Capital LLC to show me the contract that obligates me to pay them the amount that they are asking for, the contract that they have comes from the original creditor and I am sure that my signature is not on that contract and again, I do not have a signed contract with Spring Oaks Capital LLC.
Consumer complaint received 2020-09-28
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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (GA)

In XX/XX/2020, I signed for the credit card relief act with Chase. At that point I only had only missed payment on my record with them. My payments were suspended from XXXX 2020. XXXX I made a payment even though not required in the amount of XXXX. XXXX I made two payments totaling XXXX. My history that JP Morgan Chase is reporting is 5 times 30 days lates which isnt remotely accurate or possible. I cured the late from XXXX. XXXX was XXXX dollar payments yet I made a payment in the amount of XXXX. I would like Chase to immediately correct what they have been reporting to all three credit bureaus. My next course of action will be contacting an attorney for legal representation to file a small claims lawsuit. I like Chase for the most part yet this is ridiculous and erroneous and not to mention was not part of the credit care relief act enacted this year. Once the late was taken care of. All payments were suppose to be reported as current. Which has been the case.
Consumer complaint received 2020-09-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Americas Car-Mart, Inc. (AL)

XX/XX/XXXX I was sold an XXXX XXXX XXXX XXXX from XXXX XXXX XXXX under fraudulent, also illegal business pretenses  XX/XX/XXXX several issues very costly issues started to manifest with the vehicle. I contacted Americass Car-Mart the XXXX, Alabama A memorial location where I had purchased the car the electrical system, the engine, the transmission, the good release cable, the radiator, and last but not least were some and many more issues. After getting the run around from the company for three weeks finally. XX/XX/XXXX the date I was to make my first payment they told me to come in to the office. still to no avail after being threatened I have the evidence to corroborated, and explain in better details all the XXXX ill and fraudulent activity of the company. Now after 15 + attempts to fix the under warranty issues I'm out of XXXX loss of wages in addition to out of pocket cost that I had to stand on the vehicle that is still not repaired
Consumer complaint received 2020-09-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Carvana Group, LLC (CT)

Purchased a car through carvana which included registration. My temporary tags are set to expire in less than a week and I can't get no information from them. I have tried messaging them for the past several days, only getting " no updates '' due to covid.
Consumer complaint received 2022-11-06
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. (MI)

In accordance with the Fair Credit Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX 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, has violated my rights 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 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 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Please return my XXXXXXXX XXXX INSTALLMENT LOAN BACK TO REGULAR I DID NOT DISPUTE THIS ACCOUNT I REPEAT I DID NOT DISPUTE THIS ACCOUNT NOR DID I ASK YOU ALL TO DISPUTE OR INVESTIGATE IT THANK YOU
Consumer complaint received 2022-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (GA)

American Express ( AmEx ) has, for all intents and purposes, STOLEN ( XXXX  DOLLARS ( {$700.00} ) FROM ME VIA MAIL THEFT. A XXXX. XXXX XXXX XXXX ( # XXXX ) for {$700.00} was mailed to their XXXX, NJ payment center on or about XXXX XXXX, XXXX, for payment in full of my credit card balance. It was cashed on or about XXXX XXXX by American Express. It was NEVER POSTED to my account, and I have had to make an ADDITIONAL PAYMENT to XXXX out the account balance. AmEx was notified of this XXXX XXXX, via its Chat function, and was blown off, and refused to acknowledge receipt or even the existence of payment. AmEx was again notified about the theft on or about XXXX XXXX, via certified letter ( with evidence ) sent directly to XXXX XXXX, U.S. Consumer Services in New York XXXX and has been, again, blown off ignored. I will be notifying both the FBI as well as the XXXX XXXX XXXX, upon receipt of response from the CFPBs inquiry, if said inquiry does not produce a full and immediate refund.