davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (TN)

I have been affected by Covid19 and I became delinquent on my mortgage. I have requested mortgage assistance several time to bring my mortgage current. The mortgage company is unwilling to work with me and my 2nd mortgage they have discussed a large downpayment of which I don't have. Received letter in XXXX stating the mortgage had ballooned and they wanted the balance owed of {$40000.00}. I have a 1st mortgage with another mortgage company on my home I am a XXXX, I've lost several family member to Covid-19 and I don't want to lose my house. I have not received a letter offering me terms for mortgage assistance from my 2nd mortgage
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my SECOND attempt to try and fix these issues with this company and I have yet to hear anything back in the mail and they are still reporting the inaccuracies after Ive mailed in pointing out the reporting errors made.
Consumer complaint received 2019-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NC)

On XX/XX/2018 I contacted IC Systems regarding a utility bill with XXXX XXXX, Account Number XXXX ( with IC Systems on credit report ) for the amount of {$910.00}. Per their recommendation, I filed a Credit Theft Report with FTC on XXXX. I reviewed my credit report and found that IC Systems no longer has this account in my name but now XXXX XXXX   COMPANY, XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX now has this account. I did not make this bill and I did not authorize the bill and am requesting the new company remove this information from my credit report. END OF STATEMENT XXXX, SIGNED XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: World Acceptance Corporation (MO)

This account appeared on my credit report on XX/XX/21. I have never had a loan with World Finance Corporation nor have I ever done any business with World Finance Corporation. 
I was never contacted by this company via phone or mailed any correspondence in relation to this account that appeared on my credit report. I was never given the opportunity to request validation information from this company for this account that appeared on my credit report. 

This company has violated the fair debt collection protection act. 

I want this removed ASAP. In the interim I want the opportunity to fairly dispute the debt.
Consumer complaint received 2019-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (NC)

On XX/XX/XXXX I contacted XXXX XXXX regarding a utility bill with XXXX XXXX, Account Number XXXX ( with XXXX XXXX on credit report ) for the amount of {$910.00}. Per their recommendation, I filed a Credit Theft Report with FTC on XX/XX/XXXX. I reviewed my credit report and found that XXXX XXXX no longer has this account in my name but now XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX now has this account. I did not make this bill and I did not authorize the bill and am requesting the new company remove this information from my credit report. END OF STATEMENT XX/XX/XXXX, SIGNED // XXXX XXXX XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am reaching out today to provide a follow-up on a previous communication regarding my situation as a victim of fraudulent activity. As per the provisions outlined in Section 605B of the Fair Credit Reporting Act ( FCRA ), Credit Reporting Agencies are mandated to promptly remove any entries listed on an identity theft report, reference number XXXX. Enclosed, you will find the necessary documentation aimed at facilitating the expeditious removal of inaccurate personal information and inquiries that have been erroneously recorded on my credit report. Below, I have outlined the specific items that were opened without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to expunge any consumer file entries identified by the consumer as resulting from alleged fraudulent activities within XXXX business days of receiving such notification.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I purchased a vehicle on XX/XX/XXXX of XX/XX/XXXX at XXXX XXXX dealership. upon doing business with this dealership..I ended getting a auto loan from XXXX XXXX XXXX. As a result in XXXX of XX/XX/XXXX the finance company received the full payment remaining of {$40000.00} on XX/XX/2021. Upon receiving payment my credit report was suppose to be updated to PAID not CLOSED and my credit score has been decreasing every since. I have contacted XXXX XXXX and all they would say is we are working on it. it's past 30 days since XX/XX/XXXX of XXXX and I WANT ANSWERS NOW as to why they have failed to update my credit report accurately instead of causing chaos by reporting it was CLOSED causing issues with my credit score instead of raising my credit score it has been lowering my credit score significantly and I have A HUGE PROBLEM WITH THAT. I have disputed that information with all 3 credit bureaus as the account has been paid I even have proof regarding my payment history and the letter that they have sent. as well as the letter stated if i was owed any warranty gap insurance that i would be refunded but i haven't heard anything else about it.
Consumer complaint received 2021-09-28
Product: Credit card or prepaid 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: CITIBANK, N.A. (VA)

I purchased tickets for myself, my wife, and my XXXX  children to travel to XXXX XXXX on XX/XX/2021, and return on XX/XX/2021 with XXXX XXXX. I used my XXXX XXXX Citi card. 
On day of return, XXXX XXXX delayed our flights by 10 hours, due to the fact that the airline did not have any crew to fly our and 4 other flights. So I was stuck in a small airport, with 800 other travelers during the pandemic. 
Finally, at the end of the night they told us given its getting close to midnightXXXX XXXX  doesn't want their pilots to fly across the next day, so go and come back the next day. 
When we returned the next day ( Sunday XX/XX/XXXX ), i was informed that XXXX can fly us to XXXX, but it could be until Tuesday before they fly us to XXXX. When i stated this is unacceptable and many calls to XXXX customer service later they finally said they can fly us to XXXX and we drive to XXXX. We eventually arrived at XXXX around XXXX XXXX missing XXXX of XXXX at home, and basically XXXX not honoring the contract they signed with us. 

However, when I contacted XXXX, they declined this, and did not reimburse me for all or part of my ticket. So I tried to dispute with my credit card, and they at first were very agreeable to it. But they filed the dispute with XXXX as service not provided, and XXXX stated service was provided, and when I asked them to re-file, their OWN investigator has reviewed the case and denied disputing. This is a case of service not provided as expected, and i need this to be disputed appropriately.
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 — Account status incorrect
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I purchased a vehicle on XX/XX/XXXX of XX/XX/XXXX at XXXX XXXX dealership. upon doing business with this dealership..I ended getting a auto loan from XXXX XXXX XXXX. As a result in XXXX of XX/XX/XXXX the finance company received the full payment remaining of {$40000.00} on XX/XX/2021. Upon receiving payment my credit report was suppose to be updated to PAID not CLOSED and my credit score has been decreasing every since. I have contacted XXXX XXXX and all they would say is we are working on it. it's past 30 days since XX/XX/XXXX of XXXX and I WANT ANSWERS NOW as to why they have failed to update my credit report accurately instead of causing chaos by reporting it was CLOSED causing issues with my credit score instead of raising my credit score it has been lowering my credit score significantly and I have A HUGE PROBLEM WITH THAT. I have disputed that information with all 3 credit bureaus as the account has been paid I even have proof regarding my payment history and the letter that they have sent. as well as the letter stated if i was owed any warranty gap insurance that i would be refunded but i haven't heard anything else about it.
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (PA)

On XX/XX/XXXX I made a payment of {$60.00} and accidentally made a XXXX payment on XX/XX/XXXX. I reported it on XX/XX/XXXX and they told me a check was sent out on XX/XX/XXXX. I never received the check. Thanks.
Consumer complaint received 2021-09-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Capitol one is reporting a bank account ending in XXXX that was opened fraudulent in my name. I have told this to capitol one back in XXXX and have since received no result. This account is reporting to XXXX XXXX XXXX  which is affecting my personal bank accounts and this should be removed asap
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$27000.00} XXXX XXXX Balance XXXX XXXX {$1000.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX Balane Owed : {$1400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$12000.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (GA)

This complaint is for the company CB XXXX ( Comenity Bank ), they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The continual stress of harrassment, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. Moreover, I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested for verification of this account and send out disputes to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance, or obtain new lines of credit.
Consumer complaint received 2021-09-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (GA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with WESTLAKE FIN. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting this company to be the owner of the debt when they are not! This account was transferred or sold to another company. I tried contacting XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Please REMOVE this account immediately.
Consumer complaint received 2021-09-28
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. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2019-02-03
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I've submitted documetation to XXXX and Credit Acceptance in Michigan. I RETURNED a uses fault vehicle to XXXX XXXX in XXXX NJ and I called Credit Acceptance and indicated that I returned the vehicle and was advised to write a letter indicating cancellation of the loan. I did that and now Credit Acceptance is  destroying my credit report in which is destroying my livelihood. XXXX is siding with the company and does nothing for consumers ... I have written to the ATTORNEY general in Michigan to speak of the FRAUDELENT activities if the loan company CREDIT Acceptance ... I want this negative item removed from my credit report..if the loan is cancelled why is this information showing up as negative on my report ... I was lied to by the dealership who is working with no good banks, please help me remove rhis item from my report
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am disputing the response on my Kohls Case : XXXX CFPB Case No. : XXXX. 

Kohls responded stating that they verified that all of the personal information they have corresponds to me but the enclosed copies of the billing statements aren't even my name. The statements are addressed to " XXXX XXXX '' my name is XXXX XXXX and that is not my correct address.
Consumer complaint received 2024-03-14
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: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NE)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like XXXX being taken advantaged of and being ignored. Section XXXX ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over XXXX so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and XXXX have gotten into the hands of the wrong person.