davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-31
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: Experian Information Solutions Inc. (SC)

XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX SC, XXXX XX/XX/XXXX Last 4 of SSXXXX : XXXX XX/XX/XXXX To Whom It May Concern, This letter is formal notice that you have failed to respond in a timely manner to my dispute letter filed with the CFPB. 

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible. 


Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ). 

Sincerely yours, XXXX XXXX
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.
Consumer complaint received 2020-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In approximately XX/XX/2020, BofA offered me their mortgage suspension program due to the Corona Virus. It is not forbearance thus I declined and have continued to pay on time every month with my latest payment XX/XX/2020. 

On XX/XX/2020 I received a letter from BofA saying Your Next Loan payment is due XX/XX/2020. I intend to continue the payment on schedule for each month regardless of their letter. 

I have tried to call the company and their wait time on hold is said to be 90min. I have tried to use their website and it says it is being re-worked and many options are not available. 

All I want is to understand why I was sent this letter as it appears they are trying to place me on their 90-day payment suspension that I do not want. This is without my consent if that is the case. Unfortunately, without being able to reach BofA I can not verify my suspicion that they are trying to get me on the  suspension program. I do not want on their program.
Consumer complaint received 2020-08-12
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: WELLS FARGO & COMPANY (MA)

This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-08-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE (PA)

We originated an indirect auto loan on XX/XX/2020, and Huntington Financial was selected as the grantor of the loan based on the terms offered. We were informed at that time that we would receive information from the lender, including a coupon book for payments, and that the first payment would be due in 30 days. Three weeks later, XX/XX/2020, no contact has been initiated by Huntington financial. We have received no acknowledgement of our loan, no account information to facilitate bill-pay and no payment information or disclosures. I contacted Huntington 's customer service center today, where I was informed that a payment coupon book was sent earlier this week ( or late last week ), that it may arrive next week or potentially later, and no statements would be furnished. The representative confirmed that there was a possibility that my account information would not arrive until after my first payment was due. Despite the 10-day grace period, if I were to physically mail a check instead of using bill pay, there is a significant likelihood that I would incur late charges and potential detriment to my credit.
Consumer complaint received 2020-08-12
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: Experian Information Solutions Inc. (TX)

AGAIN XX/XX/20 EXPERIAN IS NOT INVESTIGATING MY ISSUE THEY ARE CLOSING OUT MY COMPLAINTS IN ONE DAY OF RECEIVING IT STATING IT IS NOT ME XXXX XXXX FILING THESE COMPLAINTS! I WANT THIS MATTER FIXED ASAP! I HAVE SUBMITTED MY POLICE AND IDENTITY THIEF REPORT TO EXPERIAN CONCERING TWO ACCOUNTS WITH XXXX  XXXX  XXXX  XXXX  AND XXXX  XXXX  SOMEONE OPEN THESE ACCOUNTS IN MY NAME WHICH ARE APPEARING ON MY CREDIT REPORT THE REP STATED THEY RECEIVED AN APPLICATION IN MY NAME WHICH IS FRAUDULENT EXPERIAN IS TELLING ME I OPEN THE ACCOUNT IN WHICH I DID NOT MY IDENTITY WAS STOLEN. THEY REMOVED AN DELETED THIS ACCOUNT FROM MY REPORT AN IT REAPPEARED ON XX/XX/XXXX THE COMPANY SUPPLIED FRAUDULENT DOCUMENTS. EXPERIAN IS NOT THE POLICE OR FTC WHOM HAS INVESTIGATED AN DETERMINED I AM NOT LIABLE AN I AM A VICTIM OF IDENTITY THIEF!
Consumer complaint received 2020-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XXXX of 2011, I filed for a chapter XXXX bankruptcy protection. Included in the bankruptcy was an account from a dental office. The office notified me of the unpaid account and I told them that I had unfortunately filed for a chapter XXXX bankruptcy protection and that the account was included. They ended up selling the account to a collection agency. I told the agency that the account was included in a bankruptcy protection. 

I have been trying to dispute it with all three credit bureaus since the inception of the bankruptcy but they keep telling me that the account was accurately reported on my credit. 

The account is now past the statute of limitations, ( four years ) according to the California law. I asked the credit bureaus to remove the account as it is too old to be on my credit file, they did not. Instead, they allowed the collection agency to continue reporting old outdated and bankrupt account to continue causing damages to my credit.
Consumer complaint received 2020-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (FL)

I received a Debit card from US Bank/Reliacard. I never applied for this card. Upon further research I discovered that this scam is ongoing in Colorado and I'm in Florida. I have tried for hours to cancel this card using all the Phone number and websites provided and can not get through. I have also contacted one of the three credit bureaus ( XXXX  ) to initiate a fraud alert on my account. I called XXXX  and gave them my name, address including Zip code. I gave them my SSN and Phone number and answered some very difficult questions ( i.e. what's the current balance on one of my credit cards ). I was told that is not enough information to initiate the fraud alert. I GAVE THEM ENOUGH INFORMATION TO OPEN A CREDIT CARD IN MY NAME BUT NOT ENOUGH THE PUT A FRAUD ALERT ON MY CREDIT INFORMATION. I asked to speak to multiple supervisors to no avail. Please help us all!!!
Consumer complaint received 2020-06-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (CA)

Today I received an alert that shows an account that is well over seven years old it shows that the account was open on XX/XX/2020 which is incorrect. This account shows 12 months of no payment history which is also incorrect I was never contacted on behalf of this account for resolving or making payments. The account was so old I didnt know that it would make a new mark and move my credit score down 18 points. I called to dispute this because the dates are incorrect and I was not contacted. The debt collector purchased this account and added new dates. Im in the process of purchasing a home and this doesnt look good especially not being correct
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

XXXX This account has never been late. 

In XXXX of 2020 according to XXXX and XXXX it is showing I am late in that month. 

This account has never been late and as per " special agreement '' due to Covid 19 it should not be reporting as late. 

Please, it would be most appreciated for my account to be accurate and to have this error corrected. 

Warmest regards, XXXX XXXX
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FinCo Services Inc DBA Current (MA)

After experiencing absolutely terrible customer service with Current, an app advertised as a way to make it easier for parents to provide children with allowance and help them manage their money, I sought to close my account. 

The only customer service is available via email and text within the app. There is no way to get a person on the phone. 

Both my kids experienced fraudulent purchases on their Current accounts via XXXX. The process for addressing this is time-consuming, puts the consumer in the position of proving the charge, and takes up to 90 days to resolve. 

I have now made several requests to close my account via their help system, the only way to do so. I have submitted all of the personal information they requested. My last response from them was three days ago and my account still has not been closed. In my last email to them, I told them that if I did not receive a response and if my accounts were not closed, I would file complaints with CFPB and XXXX.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (MN)

In XX/XX/XXXX I obtained a leased vehicle with Toyota Financial services through their dealership XXXX in XXXX. About 2 years into the lease I was contacted by the salesman whom offered me to upgrade my vehicle into a XXXX XXXX XXXX XXXX XXXX. I went to the dealership and signed the papers and traded my old XXXX XXXX for the new XXXX XXXX XXXX. About 2 weeks after I had the new XXXX XXXX, the dealership contacted me and told me that they had calculated the incorrect payoff amount on the vehicle and that I still owed a payment. 

At the time I was in XXXX  and a XXXX, I could not afford to make a second Car payment and told the dealership that this was not fair as they can not contact me 2 weeks after I drop the car off and tell me I still owe money when I signed the contract already. I offered to bring the car back and return it for my old vehicle but they said it was not possible. 

About 6 months later, I received a statement in the mail indicating that I would need to payoff the balance left on the vehicle or I would owe a significant amount of money as they would charge the account off. I phoned them and although still annoyed that I had to pay for the dealerships mistake, I agreed to pay off the balance. The representative then informed me that the car had already been auctioned and I now owed them around {$3200.00}. At that time it was completely impossible for me to pay since I had just come out of college. 

2 years later and finally agreed to settle the balance with them as I needed to obtain a loan for housing. I paid the amount and the account was settled. I have now discovered that they were continuously reporting payments on the vehicle for up to 8 months even when I did not have the vehicle in my possession or was not making payments to them. This gave a FALSE date of first delinquency that continues to disrupt my credit as the charge off shows wrongly. I have paid thousands of dollars in extra interest over other loans due to Toyota Financials incompetence to provide correct Credit reporting. Additionally I have asked numerous time through dispute and direct contact for them to assist and fix the reporting errors to no avail.
Consumer complaint received 2020-06-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (CA)

NewRez mortgage company currently has a loan on one of my 4 properties that is a rental house ( my other 3 properties are free and clear ). They agreed to give me a 2.75 fixed 15 year mortgage on my primary residence and paying off the loan on my rental property ( essentially moving the loan from one property to another. I provided any and all documentation needed and requested AND got loan approval then all of a sudden they suddenly denied me because I listed one of my other paid for properties for sale on the MLS that had renters in it ( continually paying their rent ) just to test the market and possibly do a 1031 exchange into 2 other rentals at some point. I was NEVER told prior to this that I could not do that. It in NO way affected my inc9me or ability to pay the new mortgage. In fact my net worth is over {>= $1,000,000} and I was ONLY getting a {$300000.00} loan on my primary that is worth over {$750000.00}! This was a VERY easy loan to approve. I have felt consistently during the process that the lender regretted locking me in that rate because it they would lose money ( since the current loan is ALSO its them at a much higher interest rate ). WE WERE APPROVED AND LOCKED IN and the title company had even contacted me to set up the mobile notary to sign the final paperwork! This is a CLEAR violation of RESPA and Truth in Lending ( I am a XXXX XXXX XXXX ).
Consumer complaint received 2023-07-14
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. (MD)

This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-12
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: Experian Information Solutions Inc. (MA)

Good Afternoon Leader ; I was going through my credit again this month in regards to 3 credit cards I had with XXXX  XXXX XXXX company which I had resolved and paid them off completely as you can see the attachments. But it continues to report incomplete, unverifiable, inconsistent, & errors on my credit report which is drastically impact my family 's financial goals. When I reached out to the 3 major credit bureaus, Experian, delete them all for violation and inaccuracies, but the other 2 still report with the same error. How is it possible you continue to say that you verified if the balance still shows the same and all the errors that i pointed out. I was told by the original creditor that you would delete them. Please comply and help me out. Streamline the process! Thanks!
Consumer complaint received 2020-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (FL)

AFNI, INC AT @ T AFNI, inc. 
XXXX XXXX XXXX XXXX, IL XXXX FTC affidavit submitted with proof of id and address. 

Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report
Consumer complaint received 2020-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

A credit card account was opened with Capital One using my email address. I continue to receive email notifications about this account. 

I contacted the company to let them know that I do not have an account with them and that they need to contact the owner and remove me from the account. 

Capital One have indicated that they can not do this and recommend the only path forward is for me to login ( commit identity theft ) to the customer 's account and close it for them. I've spoken with Capital One on 3 different occasions from XX/XX/XXXX-XX/XX/XXXX
Consumer complaint received 2020-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Good Afternoon Leader ; I was going through my credit again this month in regards to 3 credit cards I had with XXXX  XXXX XXXX company which I had resolved and paid them off completely as you can see the attachments. But it continues to report incomplete, unverifiable, inconsistent, & errors on my credit report which is drastically impact my family 's financial goals. When I reached out to the 3 major credit bureaus, XXXX, delete them all for violation and inaccuracies, but the other 2 still report with the same error. How is it possible you continue to say that you verified if the balance still shows the same and all the errors that i pointed out. I was told by the original creditor that you would delete them. Please comply and help me out. Streamline the process! Thanks!
Consumer complaint received 2022-10-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Thomas George Associates, Ltd. (WV)

I received multiple letters of contact within a weekly bases concerning a debt. I am currently going through a financial hardship and is getting harassed by Thomas George Associates to acquire a debt that I am currently in no position to make payments on. The frequency of contact by phone and mail is overbearing and well within the limitation of harassment, the quality of expression of words making financial threats towards me, Including the methods of contact outside of the legal business hours of contact.
Consumer complaint received 2020-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

TransUnion Again Fails to Understand & Verify the 5 Items of My Dispute!

Does the TU staff ever actually read the letters I send, or do they just blindly crank-out response-letters that have absolutely nothing to do with the items in dispute?

Does the staff have the required training & knowledge to understand and comply with both FCRA 611 ( 5 ) ( A ) ( i ) and FCRA 611 ( 6 ) ( B ) ( iii )?

Or, are they just overloaded, underpaid and really don't give a rip?