davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

The story with my complaint starts 2 years ago in XXXX of 2019 which was when my first payments was due. I make my payments through a bill pay system through XXXX XXXX  XXXX XXXX XXXX Ca. My first payment was a few days late but not past the XXXX. This was because I did not check a box on the bill pay set up to deliver by the first of every month. After that they stated calling me every month asking for a payment like clock work. After they would call they would realize during the phone conversation that I had in fact made the payment and would apologize. After a few more months of that I started paying my payments twice a month, half on the first and half on the XXXX. They continued to call every month like clock work asking for money, once again during the phone call would discover I had in fact made my payments on time. They would say they discovered that the funds were miss allocated and they needed to re allocate funds to my account. I do not know what that means still to this day!!! During the 2 years years was a incident that did get reported on my credit and that incident was never clarified or resolved to my satisfaction or understanding. It is important to know the during the 2 years my account was never behind or late. Recently as of XXXX, my load was refinanced and this lender was paid off on XXXX, in the sum of XXXX. They are still calling me asking for money and threating me with collections. I reached out to them on XXXX and they told me they had in fact received the funds but as of not can not apply them to my account. They said this could take up to 10-15 working days to be resolved and for my account to be closed. given the uncountable phone calls and badgering I have received by them in the past couple years I am not questioning why a finical institution has such a difficult time managing accounts, they are in the business of managing accounts. There has been time where they could not find my money and had to call me back days later! I fear that my account is not reconciled accurately and they are not qualified to be operating as a financial institution in this country. I see on the XXXX XXXX XXXX XXXX web site they have an extremely low score. Further more they refuse to communicate through e-mail, I suspect they are in fear of a paper trail that could implicate them. I believe this company is in need of an audit!
Consumer complaint received 2023-05-20
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. (FL)

I have tried to correct issues with my Experian credit file for several months. My problem is that I can not unfreeze or freeze my Experian credit file. Attempting to create an Experian account to manage my freeze status results in an error and instructs me to contact their support number. Numerous calls to Experian 's support center result in case numbers, but their support agents can not resolve anything. My calls have been escalated to Experian 's dispute department, and nothing is ever resolved. From what I've gathered from the support agents I've interacted with, the issue with my Experian account is that security questions can not be generated because I had a fraud alert on my file because of problems with my address. I submitted documents ( social security card, utility bill, driver 's license, etc. ) several times proving my identity and current address. Yet, every time I call, the support agent tells me to submit documents proving my identity for my Experian file to be corrected. Nothing has been resolved to this date. I started this process with Experian back in XXXX of XXXX, but were are in XX/XX/XXXX and they have yet to resolve the issues with my Experian account. The issue with my account prevents me from requesting my credit report and changing the freeze status on my Experian account. The issue with my credit file is only with Experian. I DO NOT have issues with my XXXX  or XXXX credit file. The issue is only with Experian. I have many case, dispute and escalation numbers I can share with you. Please help me resolve this issue with my Experian credit file.
Consumer complaint received 2022-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waveland LLC dba FJM (ND)

XXXX XXXX, XXXX XXXX Collections Dispute Great Plains Property Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing this letter to dispute the following information on my credit report. I have encircled the items of dispute on the attached copy of the report I received. 
This item Reported : XX/XX/XXXX Amount : {$500.00} Is false because I left the location with the rent paid in full through the end of XXXX. We have also never received a statement after move out or my mothers {$1000.00} deposit. In the state of SD, landlords have 21 days to provide a statement or return the deposit in which they did not. We moved XX/XX/XXXX and paid rent through XX/XX/XXXX and the deposit of {$1000.00} was never returned by the landlord. We never received any statement or the {$1000.00} deposit. The lease began XX/XX/XXXX and after XX/XX/XXXX we went month to month. A notice to vacate was provided to the landlord ( great plains property mgmt ) and all the keys were turned in and the unit was clean and left in the condition it was provided with all appliances that came in the unit, in the same working condition as upon move-in. I am requesting that the item be removed from both me and my mother 's credit reports. Enclosed supporting documents; supporting my position. Please investigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX : XXXX, CFPB Enclosures : [ List what you are enclosing. ]
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND ( DUE TO COVID XXXX ) TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2021 60 DAY DEMAND XX/XX/2021
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 inructions 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 2023-07-07
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: EQUIFAX, INC. (AZ)

Dear Consumer Financial Protection Bureau, I hope this message finds you well. I'm writing to express my concerns regarding the reporting of my charged-off XXXX XXXX credit card account on my credit report. 

This account has been officially charged off, however, it continues to be reported as a 'charge-off ' on my credit report for an extended period of time. This repetition implies that a new negative event is occurring each month, which is not accurate. 

Under the Fair Credit Reporting Act, a charged-off account should be reported as such once, not on a continuing monthly basis. The continuous reporting of the charge-off is negatively impacting my credit score in an undue manner. 

This incorrect reporting has significant consequences on my financial standing and potential for future credit opportunities. I kindly request your assistance in rectifying this issue to ensure that my credit report accurately reflects my financial history. 

Thank you for your immediate attention to this matter. 

Best regards, XXXX XXXX
Consumer complaint received 2021-08-12
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

Spoke with a representative at capital one and was instructed my credit report would not report a late payment and would report as paid on time. This was in XXXX of 2021. I was experiencing XXXX  and due to my inability to work was going to be late on my bill that month. Despite being on time with all my future payments since, I would like to request that capital one honor they're customer service and remove the late payment. I promise to continue to pay on time, thank you for your business and assistance.
Consumer complaint received 2021-08-27
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: U.S. BANCORP (NJ)

My parents purchased a XXXX back in XXXX through XXXX XXXX  XXXX. My parents passed away in XXXX and XXXX respectively and the XXXX had been paid off for more than a decade. I received the title to the XXXX but when I went to get the XXXX registered and tagged they noticed a lien on the title from XXXX XXXX  XXXX. 
I know the XXXX was paid off in XXXX. We called and tried to get release letter from XXXX XXXX  XXXX. and found that XXXX XXXX  had been taken over or had merged with US Bank and US Bancorp. So we called and spoke to them numerous times and someone in there customer service dept admitted that they screwed up. She told us that she would send the release letter out right away and we should receive it in 7 to 10 days. That was three thru six months ago.We continued to call and each time I had to go over the same story which included the death of my parents, not only was it frustrating but I had to keep reliving my parents death each time I told them what happened. For six months they promised the letter was in the mail and that a mistake was made on their part but nothing was ever done and no letter was ever received from them. We haven't been able to tag or register the XXXX because of their inconsideration and constant lying about sending this release letter. We were referred to you from FDIC and don't know what else to do. How can a bank get away with this for so long. We must have talked to 20 different people who made promises but never delivered.
Consumer complaint received 2021-07-30
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. (SC)

Equifax continues to show that I have a delinquent account. I have tried working with them through the XXXX, but they have not changed the information. I submitted a letter from the collection agency stating they were removing the information, because it could not be verified. They said it could take up to 60 days for equifax to remove this information. As of today this information is still showing on my credit report. I have been denied credit due to this inaccurate information. I also had two of my credit lines reduced based on this information. Here 's is the statement from the collection agency. 

We have attempted to contact the creditor to verify the balance and they have not responded. Therefore we are marking the accounts to be removed. This will go on our file this Friday, XX/XX/XXXX, but the credit bureaus may take up to 60 days to complete as we do not have any control over their process.
Consumer complaint received 2023-07-21
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. (GA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-07-30
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. (FL)

XXXX XXXX - This is a complaint for timeshare company XXXX XXXX. We spoke with one of their employees but unfortunately I don't have the names of all the people we dealt with. They were introduced as representative & not a salesperson, claimed to not work on commission. They told us we're making good financial investment, that the investment would increase in value, they kept saying this was an investment repeatedly during the hours of the sales pitch, & promised us things would be positively different each time things got worse. We were told that it has some tax benefits. There were multiple times they said they needed " corporate '' approval in order to give me the price being offered like we're being given the privelege of getting this special offer. We felt pressured and rushed when they told us it's our last chance at the lowest price. They never made us aware of the maintenance fees. At one point they took our ID during this process. We actually requested to cancel, but obviously they never cancelled it. This timeshare just doesn't help us at all & just adding financial difficulties, when we're still supporting our XXXX daughters ' education. We experience stress due to this timeshare 's financial commitment & out inability to use the promises they made. We even lose sleep over the stress caused by this timeshare. I'm sure we were profiled, being a physician with adequate income. We had the worst experience with this timeshare, the hollow promises of multiple Florida resort options that had never been available as a XXXX member but still being responsible for all the finances for these five years. Not processing our cancellation request back in XXXX, promises that were never met, maintenance fees that we were never made aware of during sales & lastly the stress & financial difficulties caused by this timeshare. We were simply defrauded & lied to. I wasn't able to provide XXXX 's email address but here 's their Contact Us page for reference : XXXX XXXX XXXX
Consumer complaint received 2023-07-21
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. (FL)

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

To whom it may concern, On numerous occasions I have sent letter 1 and Letter 2 to LEXISNEXIS, asking them to disclose their method of verification on the alleged bankruptcies you are reporting. You then replied to me with enclosed letter claiming that the bankruptcy was verified by LexisNexisXXXX XXXX XXXX Appalled by that information, I went directly to LexisNexisXXXX XXXX response to my inquiry they claim to never have verified this item with you. This would mean this bankruptcy is by law considered UNVERIFIED. I am aware, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. I have enclosed their letters and mine, verifying the attempts to reach out to LexisNexis and no response. Please DELETE these items from my credit reports as it is NOT verified! Please send me an updated copy of my credit report once the bankruptcies has been DELETED.
Consumer complaint received 2023-07-21
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance Owed : {$63000.00} ; XXXX XXXX Balance Owed : {$9000.00} ; XXXX XXXX XXXX Owed : {$2900.00}.
Consumer complaint received 2021-08-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management (FL)

I sent a letter regarding the validity of the accounts with Amerifinancial reporting on my credit report. The account numbers are XXXX for {$1100.00} acct number XXXX {$1100.00} and account # XXXX for {$760.00} first and foremost Im noticing that this collection agency reported the same accounts twice their double billing me for {$1100.00} for medical services I never had perform I tried reaching out to them directly Ive attach my return receipt letter was sent by certified mail on XX/XX/21 and I havent receive a response its pass 30 days Im requesting removal certified receipt # XXXX and theres no reason for anyone with the company to say they never received this letter as stated before it was signed for
Consumer complaint received 2024-02-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Purchased XXXX XXXX XXXX wireless through CapitalOneShopping portal on XXXX, which promised to provide cashback of {$120.00} per line. I have purchased 4 line on aforementioned date. Same has been recorded in CapitalOneShopping portal with Trip id as XXXX and Order number as XXXX, but instead of wireless purchase it tracked as XXXX XXXX purchase with {$40.00} as cashback. I tried to reach to CapitalOneShopping on following dates XXXX, XXXX, XXXX and each of the time CapitalOneShopping asked me to wait until 90 days to adjust the transaction. Then XXXX XXXX posted with {$40.00} as cashback, i contacted CapitalOneShopping and they shut the door saying transaction is not tracked properly we provide {$120.00} as courtesy instead of original {$480.00}. 

Would like CFPB to get this remaining amount ( XXXX ) for me.
Consumer complaint received 2024-02-21
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank which manages my Lowe 's store credit card has arbitrarily forced customers to go paperless for billing and if a customer does not they will charge a {$1.00} fee a month to receive paper bills. I fell like this is unfair to those of us that use paper statements to do our home budget. There is no appeal process or way to be " grandfathered '' in to receiving paper statements. This is not right and I feel unfair to the consumer. Is this illegal? Can they do this?
Consumer complaint received 2023-03-14
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. (CO)

In Accordance with the fair credit reporting act XXXX  account 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 account without my written instructions
Consumer complaint received 2021-07-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Northtown Capital Services Group LLC (MN)

On XX/XX/2021 I received a generic voicemail asking for my current address and employment. The voicemail did not disclose what the purpose of the call was for or why the info was needed. On XX/XX/2021 I received another voicemail from XXXX XXXX who asked the same questions and did not state the reasons why the personal info was needed. That same day a couple of friends and family members reported getting voicemails from XXXX XXXX asking the same questions about me. On XX/XX/2021 I tried to call the number from a blocked number to try to find the name of the company. XXXX answered and did not disclose the company name. I ended the call. She immediately called back and left a voicemail asking me to call her back letting me know the call was ended even though the number was blocked. I filed a complaint with the XXXX  on XX/XX/2021. One XX/XX/2021 I left XXXX a voicemail requesting a call back requesting the name of the company and the nature of the call. On XX/XX/2021 I called since I have not heard from her. The director, XXXX XXXX, answered the phone and proceeded to tell him since I filed a complaint with the XXXX  he would not talk to me. He said he responded to the XXXX. I checked the XXXX  and he did respond on XX/XX/2021 and it stated I could call him and he would be more than happy to explain what is going on, but yet when I call today he refused to provide any info. I have no idea why this company is calling me since they refuse to speak with me and no letter has been mailed.