davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX XXXX Balance : {$340.00} XXXX XXXX XXXXXXXX XXXX Balance : {$340.00}
Consumer complaint received 2023-11-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

Upon carefully examining a copy of my personal credit report, I have uncovered a numberof discrepancies. While I understand that errors can occur, these particular inaccuraciescould seriously jeopardize my prospects of becoming a homeowner. I have researched thedispute process and I am aware that you are required to complete your investigation withina thirty-day timeframe. I kindly request that you take the necessary time and care toeliminate the inaccurate information from my credit report. Given the current economicchallenges we face, I can not afford to have incorrect data negatively impacting my creditscore. I will anticipate receiving an updated copy of my credit report reflecting thesecorrections within thirty ( 30 ) days. The following is the error that I have identified : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please delete these accounts from my credit profile ASAP.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX XXXXXXXX XXXX XXXX : {$360.00} XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$1400.00} XXXX XXXX XXXXXXXX XXXX Balance : {$500.00} XXXX XXXXXXXX XXXX XXXX XXXX, XXXX Balance {$120.00} XXXX XXXX XXXX  Balance : {$480.00} XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX XXXX
Consumer complaint received 2023-03-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (IL)

Plaza Home Mortgage has threatened on two occasions, to charge me approximately {$380.00} for supposedly not having homeowners ' insurance from XX/XX/XXXX to XX/XX/XXXX. I've called this company a total of four times in an attempt to correct the issue. However, when a supervisor is requested, they claim one is " not available ''. Their representatives are rude and unprofessional. I believe this irrational and illogical threat letter is retaliation for having filed previous complaints against this company with CFPB. I had insurance coverage from XX/XX/XXXX - XX/XX/XXXX, and I did not close on the home until XX/XX/XXXX, so I do not understand why this company is sending threatening letters when at the time, I did not even have possession of the property. 

This mortgage servicer is wholly and entirely incompetent. I request CFPB investigate this mortgage servicer in order to determine if they are retaliating against me for previous CFPB complaints filed against them. I have attached all relevant documents to this complaint.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: VETERIS CAPITAL LLC (AL)

Subject : Dispute of Debt Collection Communication from William Power LLC I am writing to inform you of a concerning issue regarding communication I have received from William Power LLC regarding a debt that does not belong to me. XXXX XXXX XXXX XXXX XXXX XXXX as evidenced by XXXX XXXX : XXXX, I want to clarify that I have no knowledge of the debt in question. 

Given the circumstances of my situation, it is evident that this debt is not mine, and I request your assistance in resolving this matter promptly to ensure that my rights are protected in accordance with the law. 


Your prompt attention to this matter is greatly appreciated.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

There are several entries on my consumer report that are aggravated identity theft as I did NOT authorize these inquiries. I had never applied for these products or services so they have no business being on my consumer report. THIS IS IDENTITY THEFT.
Consumer complaint received 2022-09-30
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. (TX)

I'm writing to you because I noticed that my most recent credit report contains late payments reported on XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019 for my personal loan. Account number XXXX 

When I paid this account in full and on time. I have my bills on autopay and when I checked my credit report months after the incident my credit score has taken a massive dip. I did not receive any follow ups from affirm about warning me close to my payment date and so I was in the impression that I didn't miss any payments and everything was paid on time and full until I saw this report on my credit report. 

Experian is infringing my privacy and showing this report to market to other lenders and during the investigation, was not able to show me the proof of CONTRACT with my signature that was made between me and XXXX. According to the consumer laws information that is inaccurate and unverifiable must be deleted items from my consumer report immediately. Experian has blatantly broken THE CONSUMER LAWS. 

( XXXX XXXXXXXX ACCOUNT : XXXX XXXX
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I booked a flight on Capital One Travel Portal using my Capital One VentureX credit card in XXXX on XXXX XXXX for XXXX XXXX The tickets were booked on XXXX/XXXX/2022 and had to be cancelled on XXXX/XXXX/2022 due to my gf getting XXXX. At this point, the Capital One Travel Portal said I got a credit for XXXX XXXX 

Currently, I am trying to rebook the flight using my credits in their portal. The portal clearly states that I have a credit of XXXX $ with following information listed as banner on booking site. 

" Your travel credit is worth US {$230.00}. There are no rebooking fees for this trip. '' Please note that it clearly states that there are no rebooking fees. Once I selected the flight, the fare on selected flight was XXXX $ over the flight ticket price on XXXX and other portals where I can purchase the ticket. I called the customer care to price match the fare, since that's one of the benefits of Capital One Travel Portal. However, I was refused to price match stating that the XXXX $ is actually rebooking fees for using my travel credit. 

I feel this is unfair and unethical approach in dealing with travel cancellation where informations are not shared upfront but adding hidden charges to the customer. Even while rebooking the ticket, at no place they state the XXXX $ rebooking fee instead have implicitly increased the cost of base fare on the XXXX XXXX. 

I am attaching the screen shots of my travel credit, portal banner where it says there is no rebooking fees, final price summary where base fare is XXXX $ over XXXX pricing. The customer care claimed this XXXX $ is rebooking fee. This is clearly unfair and unethical business practices using hidden fees and charging them as part of base fare
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: P&B Capital Group, LLC (LA)

I am writing to file a formal complaint against P & B Capital Group. I recently requested a copy of my XXXX credit report and noticed I had a collection account placed by P & B Capital Group , LLC on. I dont have any knowledge of this alleged debt with this company. I have never spoken to any one about this alleged debt nor did I receive any letters in the mail about this alleged debt. This is a violation of my rights under the Fair Debt Collection Practices Act, 15 : USC 1692g Sec 809. I have a right to validate debt this company says I owe them and I do not get a chance to do so.
Consumer complaint received 2019-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (CA)

After getting a mortage modification at the end of 2013 I know longer am seeing mortgage payments being report since then. We been paying on time since modification was in place and this would be a huge boost to my credit score. I am enrolled in XXXX XXXX credit monitoring tool which also flags things that can hurt your score like unreported mortgage payments because it shows consistency of being on time with large payments and when you don't have it you don't get the advantage of that boosting your creditor score.

I don't know how to fix this. And somethings I've read have made it sound like it has to be researched first but I can't get good info. Like the could there be negative consequences for having reporting of mortgage payments to Wells Fargo before the Chapter XXXX  bankruptcy has gone of my report. I'm confused.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

After recently reviewing my credit report I noticed that there are several fradulent hard inquiries that were not authorized by me. 

These inquiries are negatively affecting my credit score and I would like to have them removed as soon as possible. 

I have also contacted the FTC regarding this matter, and there is paperwork documentation on file for Identity Theft.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau. ALL 3 } { Credit Bureaus : ALL 3 } { XX/XX/2023 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XXXX. XXXX. XXXX  } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX  }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXX XXXX  }
Consumer complaint received 2023-08-17
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)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-17
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (IL)

Okay I was contacted about this debt I asked them multiple times to feel out a debt validation letter. And they keep giving me sub par information and a bunch of XXXX about the company.
Consumer complaint received 2024-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (AZ)

Made my mortgage payment to Freedom Mortgage Company on XX/XX/XXXX for {$2500.00}. Freedom Mortgage Company drafted this payment from my checking account twice, over-drafting it in the amount of {$890.00} with a {$29.00} overdraft fee. I called Freedom Mortgage on Monday XXXX when this hit my account, and was told it was a mistake and I would be refunded the extra payment amount by XX/XX/XXXX. I was not, and I called again on XX/XX/XXXX, and was told they needed to verify with my bank that the payment had gone through for a refund to be processed, something that was not done the first time I had called. I was then told the payment would be processed immediately, no later than the next day. It was not. I called again on XX/XX/XXXX, and was told it should be in by the next day, but could give no guarantee. I asked to escalate the matter and speak to someone higher up, as I have been left with no money and an over-drafted account for over a week, for an issue that was from Freedom Mortgage Company in the first place. I was placed on hold for over XXXX minutes before the call hung up without resolve. I currently do not have money in that account to pay my other bills, or buy food, and have no faith that the issue will be resolved after being told XXXX times information that was untrue. The Freedom Mortgage Account shows a payment reversal made on XX/XX/XXXX a funds received on XX/XX/XXXX, but none of this is reflected in my checking account. Screen shots of these accounts without numbers have been attached.
Consumer complaint received 2023-08-17
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)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

I am making this complaint becasue I called American express Credit card to make dispute for the tickets I paid through American Express Travel, the credit card department did not make the dispute for me, they always reansffred me to their travel department and put me on hold for long time, no body was able to give me any answer nor results at all. 
I booked a round-trip flight on the American Express Travel website . The trip information is as follows : XX/XX/XXXX to XX/XX/XXXX from XXXX XXXX ( XXXX  ) to XXXX, with XXXX XXXX. However, on XX/XX/XXXX, I missed my first flight. Consequently, I called the American Express Travel customer service line at XXXX XXXX  on XX/XX/XXXX to seek assistance. I informed the agent about missing my first flight from XXXX to XXXX and asked for guidance on what I should do next. 
The agent promptly arranged a new one-way flight for me with XXXX XXXX and I had to pay for that new one way flight to XXXX XXXX XXXX And The she assured me that I could still use my returning flight when I arrived in XXXX. Unfortunately, she neglected to inform me about the necessary steps to retain my returning flight, which I had already paid for with XXXX XXXX. Instead, she only asked me to pay for the new one-way flight from XXXX to XXXX. Additionally, she failed to inform XXXX XXXX about my change in plans, resulting in the cancellation of my returning flight. 

It's imperative that I receive a refund because the American Express Travel agent did not fulfill her responsibilities properly when I missed my flight, which I had booked through their service.
Consumer complaint received 2023-08-17
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)

I am writing formally and submitting this complaint myself and there is no third party involved. These items are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done my previous attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate properly and remove them from my personal credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2022-09-30
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. (CA)

Experian continues to report an account a inquiry that was obtained without my consent. I have no knowledge of the account along with the inquiry that shown up my credit report. I have filed another police report and an FTC report due to these fraudulent transactions. Experian has not done anything to fix the situation, hoe are these accounts even coming back verified when I did not authorize XXXX XXXX ever to run my name or issue a account in my name. 

FTC report number : XXXX I have also attached another coy of my police report that the specialist I spoke to this morning with Experian claims they do not have on file.
Consumer complaint received 2022-09-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC (MD)

I have found my access to Zelle has been permenately restricted. I have been speaking back and forth since 4 days starting on XXXX until today XX/XX/2022. I have spoke with several members of Zelle, Early Warning Systems, and XXXX XXXX XXXX XXXX. I haven given he run around since. I have asked for documentation several times and none have been provided. This information has been asked from XXXX, Zelle. Early warning services. XXXX explained to tell me there's nothing that can be done to help me, they didn't place the restrictions. Zelle has explained to me not their responsibility. Early Warning Services explained they don't have any information for me. I have done nothing against money transfers, banking guidelines. I still have not received any valid response from either party. I am just asking for something in writing. How can my account be restricted permanent with no valid response. 
This is so darn unfair as a consumer.
Consumer complaint received 2023-08-17
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$700.00} XXXX XXXX Balance : {$700.00} XXXX  XXXX Balance : {$700.00}