davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CVB FINANCIAL CORP. (CA)

I am guarantor on this loan, for my daughter XXXX XXXX, secured to office building in XXXX. 
We are current and upto date on loan and as per the terms we have provided them with annual tax returns since XXXX. 
XXXX XXXX Bank was taken over by Citizen Business Bank and they now claim that we never provided XXXX with XXXX returns. 
I am concerned that my sensitive financial and personal data has been misplaced during transition and instead of due diligence in trying to recover those returns, they are threatening me with remedies due to loan default. 
Loan is being handled by XXXX, CA branch
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

My husband and I bought a house in XXXX. Our first payment was due on XX/XX/XXXX. We were given a letter dated they XXXX of XXXX that our loan was transferred to XXXX XXXX and will be serviced through Newrez. We got it the day before our first payment was due. At this point we were already set up for payments with XXXX XXXX so thats who we paid with. They said we could pay them up until the XXXX. After that we pay Newrez. We let Newrez know and gave them to confirmation number on the 1st after we made our payment. They said the transfer of payment would take 7 business days. My husband called a week later and that person told him it would take longer. He called two more times each following week, and it was still not complete. I called on the XXXX of XXXX and that person told me they would initiate the transfer and it would take 72 business hours. I called back on the XXXX of XXXX and that person told me every attempt to transfer was canceled due to insufficient information. She said she could talk to a supervisor but there was nothing more I could do. At this point we have letters saying we are late and our XXXX payment was applied to XXXX. We have another letter saying we would get a late payment if we dont pay by the XXXX. I called today and that person told me we needed to provide a screenshot of our account showing we paid the other lender and it was not returned. He said it would take 7 days to complete. He also said that there was something sent to the credit Bureau. I thought we had a 60 day grace period for any credit reports or late fees, which would put us at the end of this month. And in reality this should not have taken this long to fix. I am not sure I trust that this will be taken care of since this is the 3rd person Ive spoken with, my husband spoke to 4 people, and it still isnt resolved.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CO)

I was looking at my credit report from the government approved annual credit report website and noticed my name was spelled wrong on all 3 credit reports. My name is XXXX XXXX XXXX spelled exactly that way no others. Also theres unexplained inquiries on my credit reports how they get there. Furthermore theres these accounts on my credit report that are incorrectly reported to my credit with different inconsistencies like dates, amounts, and mainly my name.
Consumer complaint received 2023-08-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (NY)

XX/XX/ : Deposited {$20000.00} to Marcus XXXX Account from XXXX XXXX XXXXXXXX XXXX Account. 

XX/XX/ : Marcus XXXX Account locked, called the bank and they said they need to close my account and that I will receive a check with my deposit in the mail. 

XX/XX/ : Hadn't received my deposit in the mail so called Marcus again, they said they needed to take an extra step and that they will return my deposit to XXXX XXXX XXXXXXXX XXXX Account. 

XX/XX/ : Hadn't received my deposit in my checking account so called Marcus again, they said that my case was " under review '' and that they can not disclose how much longer it will be " under review ''. 

Essentially, they've been holding {$20000.00} locked without recourse or any transparency on when I will receive my funds back
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sunbit, Inc. (IN)

Sunbit reported my account when XXXX and XXXX payment were made in time. They have a 30 day grace for payments to be made and before they report to bureaus for being late. I actually spoke with a Supervisor and was advised that my XXXX and XXXX payments were made on time late and within grace period given for XX/XX/2023 and XX/XX/2023. I sent over an attachment for review and was replied back with inaccurate info -that payments were late and my payments were actually made on time I have bank statements and payments can be seen per my account when payments actually posted. This is a clear violation of my rights and I am requesting that my Credit report is updated immediately.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am writing to express my extreme dissatisfaction with the inaccuracies found on my recent investigation of my credit report. The discovery of unverifiable, invalidated, and inaccurate items has caused severe distress and emotional hardship.

It is imperative to note that under the Fair Credit Reporting Act, all information reported on my credit profile must be 100 % accurate. However, the items in question appear to be in direct violation of this requirement, as outlined in 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). 

Your agency has a legal obligation to ensure the accuracy of the information it reports, yet it is evident that this standard has not been met in my case. I demand immediate action to rectify these discrepancies and bring my credit report into compliance with the law. 

Enclosed with this letter are copies of all correspondence previously sent regarding these matters for your reference and review. 

I expect a thorough investigation and prompt resolution of this dispute. Failure to address these issues satisfactorily will leave me no choice but to pursue further legal action.
Consumer complaint received 2023-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

About XXXX ( XXXX ) or more, I called Comenity Bank to completely close my account and cancel a credit card. The representative told me that everything was going to be OK. A couple of months later I received a notification from the credit company that my score lowered because of this credit card, good sam/comenity bank. I called the bank again, asked what happened and they told me that there was a late fee, I straightened everything about, for the second time with the bank and credit card representatives and they told me that everything was going to be OK. 
About a week ago or so, I received a call from XXXX, from comenity bank, saying that my account had an outstanding balance for late fees, I mean, they keep on charging me late fees, on A CLOSED ACCOUNT! 
I was aware that if I closed/cancelled a credit card, it could affect my credit, I was OK with that because I really don't want anything to do with this bank, they are the worst to deal with. And now, this is outrageous, they keep on charging on a closed and cancelled account. Unbelievable! Please help me. It has affected my credit a lot! 

When contact the comenity bank refer to number XXXX, the supervisor I spoke with was XXXX, she told me that from now on I wouldn't have any problem with them, which I don't believe because that was the same thing they have told me before and they just keep on charging on a closed account I don't want anything to do with this comenity bank.
Consumer complaint received 2023-10-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Hatfield, Inc. (TX)

This company has charged my debit card multiple times for a subscription that is supposed to be billed monthly. I have been charged 4x in one day on some charges and twice in a month for others. Nearly {$100.00} in charges. I have chatted in with them and they have not explained the charges, only stating that I owe them. Unsure is this is a robot or a real person. There is no phone number to reach this company. I have asked multiple times to close the account and they are stating that I still owe them money that needs to be paid before closing the account. I have a checking account and debit card attached to the account. I was able to reset my banking password to prevent them from withdrawing from it. But my debit card is still on the app and the company will not allow me to remove it. Today, they attempted to charge my card again for {$11.00}. Unsure of the reason. Had I not locked my card, this charge wouldve came through. They just charged my card {$10.00} on XXXX and another {$10.00} on XXXX.
Consumer complaint received 2022-01-31
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-01-09
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. (FL)

I am writing to dispute the late payment reporting on my account. I paid off my balance in full earlier before the loan original due date, yet the late payment reporting remains on my credit report. This is not accurate and reflects negatively on my XXXX XXXX. If not, I am requesting a full payment history.
Consumer complaint received 2023-10-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BTH Management (WI)

A small claim was filed on XX/XX/2023 appointment XXXX XXXX XXXX  being plaza services , LLC the assignee of XXXX XXXXXXXX XXXX XXXX address is XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Plaza services , LLC claims to be a business of purchasing XXXX debt and is the signing of the original consumer loan between XXXXXXXX XXXX XXXX XXXX and XXXX the consumer loan is identified as account number XXXX assuming the account number has XXXX digits only. They also coin that high defaulting on the terms by failing to make payment on the XXXX XXXX account when do you. They also say the last charge or payment to the account occurred within XXXX years of filing this action. They say the current balance due XXXX the date of filing including any and all occurred interest is {$1700.00} beer they say that I refuse to pay this debt despite dude demand XXXX Plaza services LLC I would like to have all information verified and submitted as in person on our schedule court date, with a validation letter, when a lawyer review this this information prior to the imitation date. Please include all that is needed to verify the account and most importantly the amount of XXXX as I believe this is an error. 

I would also like to see an itemized Receipt of my debt being purchase directly from the original debate collect. If this all information are correct I will pled guilty if not I will counter sue for loss wages, research, gas, and other expenses. 

I get paid about XXXX an hour part time, receive XXXX, and building for a better future for me, you, and our people.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PR)

I am writing to file a formal complaint against Experian concerning their failure to address the inaccuracies on my credit report and incorrect personal information, despite my efforts to rectify the situation. 

On XX/XX/XXXX, I mailed a dispute letter to Experian via USPS certified mail with tracking number XXXX XXXX XXXX XXXX XXXX XXXX, requesting an investigation into inaccurate items on my credit report and disputing incorrect personal information. These inaccuracies and incorrect personal details have adversely affected my financial standing and credibility.

Despite my efforts to comply with the Fair Credit Reporting Act ( FCRA ) guidelines and provide all necessary information, Experian has failed to acknowledge or act upon my dispute within the legally mandated timeframe. I did not receive a response back from Experian with the investigation results.

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

It appears that Experian has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act.

I have taken significant care to ensure the accuracy of my credit report and to protect my financial reputation. However, Experian 's failure to respond appropriately has caused unwarranted stress and financial implications for me.

I am seeking prompt intervention from the Consumer Financial Protection Bureau to compel Experian to conduct a thorough investigation into the disputed items and incorrect personal information on my credit report and to take necessary corrective action as per the FCRA guidelines.

Enclosed with this complaint are copies of all relevant documentation, including a record of the dispute letter sent to Experian and proof of certified mail with tracking.
Consumer complaint received 2021-09-28
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: Experian Information Solutions Inc. (IL)

The accounts listed are results of identity theft. I did not give consent to benefit from or utilize my authorized credit. 
Attached is a copy of my identity theft report Account Name Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AR)

XXXX CLAIMS I HAVE AN ALLEGED DEBT. 
XXXX HAS BEEN HARRASSING ME FOR MONTHS. THEY FIST STARTED WITH PHONE CALLS AND NOW ITS DAILY EMAILS XXXX HAS SENT COMMUNICATION THROUGH MEDIUMS OF MAIL DELIVERY PURSUANT TO 15 USC 1692C XXXX IS IN VIOLATION DUE TO CONTACTING MY WITHOUT MY CONSENT. 
PURSUANT TO 15 USC 1692D XXXX IS IN VIOLATION DUE TO REPEATED PHONE CALLS & EMAILS. 
PURSUANT TO 15 USC 1692J XXXX EMAILS SHOWS 2 COMPANIES TO WHOM ALLEGED DEBTED IS OWED COMPANIES BEING LVNV FUNDING LLC & XXXX XXXX XXXX  THESE COMPANIES ARE IN VIOLATION OF 15 USC 6801 DUE TO NOT CONCEILING MY PRIVATE INFORMATION
Consumer complaint received 2023-10-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (MO)

In XX/XX/XXXX, I had a car accident and my car was totaled by my insurance company. XXXX XXXX XXXX sent a check to Hyundai Motor Finance ( HMF ) in the amount of {$16000.00} in XX/XX/XXXX. The value of my car was higher than the amount owed so I even received a few dollars from XXXX XXXX in XX/XX/XXXX. When I bought my car in XXXX, I had purchased several optional coverages such as gap insurance, wheel and tire coverage, and an extended warranty. Since I did not use any of those coverages, the insurance company which guaranteed the services provided a refund to XXXX Hyundai, the dealership at which I bought my car in XX/XX/XXXX. XXXX XXXX sent the refund to Hyundai Motor Finance and it was received and credited to my auto loan account on XX/XX/XXXX. I didn't owe anything on the loan at that point so I should have received the refund for the coverages which totals {$2000.00}. As of today, XX/XX/XXXX, I still have not received the refund that Hyundai Motor Finance is holding on to. In fact, they have had it since XX/XX/XXXX and is benefitting from interest on my funds. I am XXXX XXXX XXXX and on a very fixed income. There is no reason that it should take HMF over 30 days to process a refund on a XXXX balance account. I would like to receive the money that I am owed immediately, receive any interest that HMF earned, and be compensated for the delay and concern that this situation has caused me. I was already dealing with a concussion from the accident and the stress of this situation has intensified my health issues.
Consumer complaint received 2023-08-14
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: EQUIFAX, INC. (TN)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 2022-09-06
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. (PA)

XXXX XXXX XXXX as of XXXX XX/XX/22 Status and remark is reporting REPOSSESSION! When that is inaccurate! The car is still on a active contract! NOT REPOSSESSED, PLEASE DELETE THIS FROM MY CREDIT REPORT!!
Consumer complaint received 2022-09-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland credit trying to take me to court for my auto loan through XXXX XXXX XXXX I pay regularly twice a month total {$300.00} a month for XXXX  XXXX XXXX ruining my credit! Someone is tampering with my credit also been paying back collection debt from XXXX XXXX XXXX debt and yet my credit keeps going down trying to pay debt down for XXXX  but no information just says collection been paying it monthly for a long time promised to let creditors know never did XXXX XXXX XXXX XXXX 3 times and been living in the XXXX  XXXX in XXXX Ma XXXX XXXX XXXX XXXX ma XXXX for a year credit stopping me from getting place to live! Please Help XXXX XXXX
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

XXXX and Experian continue to report an account inaccurately on my consumer report. The account listed on my consumer report XXXX XXXX XXXX XXXX XXXX  has several inaccuracies that I know have not been verified. Both credit bureaus are not reporting the same information and that means that the account has not validated by anyone other than the credit bureaus. 

High Balance : {$520.00} {$0.00} Last Verified : XX/XX/XXXX -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date OpenedXXXX XX/XX/XXXX Closed XXXX -- Creditor Type : Bank Credit Cards All Banks Creditor Remarks : Charged off as bad debt Purchased by another lender Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor.