davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (IL)

I Signed up for the MyEquifax.com using their web page. After entering everything it said they needed to mail me a verification number in the US Mail and to follow the instructions sent along with the number to complete sign-up. Received the letter on XX/XX/2020. I immediately followed the instructions to enter the number on their web page. When complete, this time it said I needed to call XXXX & speak to a representative. I called and was told I would need to mail or fax drivers license, phone bills, rent receipts, etc. While I was on the phone, I received email that said I was all signed up and simply needed to log in. When I tried to login it told me my password was incorrect and I could change it. They would email me a link. When I received the email I went to the change password web page and followed the steps and it said my password was changed. I went back and tried to login using the new password. It said it was wrong again and I needed to call the XXXX number again. I called and now the machine just reports I will need to fax or mail the above information and will not let me talk to anyone who speaks english, and just hangs up.
Consumer complaint received 2023-02-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK (TX)

Hi, We believe Discover discriminated my refinance cash out application due to me being under Deferred Action for XXXX XXXX. 
We received an offer for a refinance my home and take out a sum of money at a lower interest with out any closing costs. This was letter I received from Discover my credit card company. 
I got in contact with them using the number in the letter and proceeded to refinance my home. I received the first communication from Discover on XX/XX/2022. They told us to send our government issued ID 's along with other documents to determine our eligibility. The agent representing Discover was XXXX XXXX XXXX XXXX ID XXXX. We provided all the documents listed in their communication and by XX/XX/2022 we received our Revised XXXX XXXX. 

Loan amount was {$300000.00}. ( XXXX cash out ) Interest Rate 3.49 % Monthly principal and Interest payment of {$1300.00} This was a 30 year traditional loan with an estimate escrow of XXXX for an estimate total payment of $ XXXXmo The closing costs were covered by Discover according to their offer in the mail and their marketing special at the time. Only initial escrow payment was to be paid at closing. 
After all the financial and eligibility information was provided to move along. They took months to get the loan approved. They would place new documents required to and hassles and obstacles that we would never be informed of. It would not be until be logged into the site that we would find out about documents we were promised we will be informed via email or phone call. It was not until XX/XX/2022 that we received a loan decision. A loan decision was made yet the communication was blank. No reason was provided and at this point we called to get some one to help. They informed us at that time that my eligibility was in question and because I am XXXX our loan was denied. This was not explained in their mail letter nor the disclosure documents on the site. By this time Interest rates were no longer the ones in XX/XX/2022 and they deprived us of a great opportunity. To me this was done in discrimination.
Consumer complaint received 2023-12-29
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)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX BANK XXXX XXXX
Consumer complaint received 2020-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc. (NV)

XX/XX/XXXX Received a " Notice of Assignment to a Collection Agency '' from Professional Account Management , LLC. for a toll that I paid in full on XX/XX/XXXX ( XXXX  Confirmation # XXXX ). I also have e-mail receipts of contacting XXXX customer service and a credit card receipt of payment, which I tried to attach, but it wouldn't attach. 
I tried to contact company during business hours, gave company my phone number instead of waiting on hold, they did not attempt to contact me. There is no way to contact the company via the website, no email address listed on the bill or website. I refuse to pay for confirmation receipt via the post office for a debt I don't owe in the first place.
Consumer complaint received 2023-12-29
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. (NE)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-22
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. (NJ)

When I reviewed my credit report, I discovered that these accounts were erroneous. The XXXX 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 be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-14
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: ENCORE CAPITAL GROUP INC. (LA)

I am a victim of identity theft. I have filed a police report and filed a complaint through the ftc. In the year of XXXX I misplaced my purse at XXXX with my dl & social security cards, debit card for me and my children.The following items are appearing on my credit report as a result of being victimized I am requesting that these items be removed immediately as it is destroying my credit reputation. I had no knowledge of these accounts until a year ago and tried disputing directly with credit companies. Please help me with this matter. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2016
Consumer complaint received 2020-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

XXXX XXXX XXXX XXXX  has reported a fraudulent address to credit bureaus and I am in the Missouri Secretary of State SXXXX XXXX XXXX XXXX. Refer to Missouri Statues Chapter 589.
Consumer complaint received 2023-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-12-27
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)

A dispute was filed with Transunion informing them they are furnishing inaccurate an incorrect information on my consumer report and that the reporting of the inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes, and the reporting of this inaccurate information has damaged my livelihood. The IRS clearly defines a charge off as Gross or Ordinary income. Income does not get reported on the consumer report which in fact makes the reporting of the information to my account inaccurate! By Definition The IRS Clearly says a Cancelled debt or Charge Off ( Certificate of Indebtness ) is Income. Reporting this account as a debt is inaccurate. 15 U.S.C. 1681 section 602 A states that I have the right to privacy 15 U.S.C. 1681 Section 604A Section 2 reads that a consumer reporting agency can not furnish an account without my written instructions. 

The charge off accounts on my report are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I called Transunion and XXXX about removing or repairing my credit scores because of someone submitting Credit Card or Loan application under my name. When I called or dispute and to have a credit freeze put on my account, they want me to pay for this, I do not agree paying for something that was put on my credit report and I did not submit the application. This is wrong and something needs to done about this. They should be able to correct this, they let the wrongful person put an Inquiry on my reports without my consent. It is not right and especially I am trying to buy a house and have not submitted any application except XXXX.
Consumer complaint received 2023-12-29
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-28
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 sent a letter to the Credit Bureaus requesting to REMOVE the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MT)

On XX/XX/XXXX I utilized PayPal as a payment device to buy plane tickets online for a family trip. The following day I contacted PayPal again and asked them to cancel those tickets because I was then under the impression that the company that I bought the tickets from was possibly fraudulent. PayPal told me that they would refund my purchase price in full, {$860.00} worth, to my account within 3 to 5 business days. After eight days I contacted PayPal again and asked them why I had not received my refund? They told me that it had been issued on XX/XX/XXXX, however, my bank does not show an inflow of refunded money until XX/XX/XXXX from PayPal. On XX/XX/XXXX I contacted my bank and asked them to review the transaction as fraudulent XXXX I had not gotten a refund. Instead of putting the transaction on hold during their discovery they instead put a stop payment on the transaction and fully refunded the money to my account. On XX/XX/XXXX PayPal also refunded the money in total effectively doubling my bank funds. That would otherwise be considered a windfall, however, PayPal then reported that I now had a negative balance on my PayPal account and demanded a reimbursement of the monies that they had sent to me. As of today I have spent over five hours on hold or awaiting someone to respond via PayPals voice response callback system and/or their chat application. All attempts that I have made to reconcile the account via the links and tools that they have provided online, all of which are linked to my bank account and my credit cards results in an error. Every attempt I have tried to make since XX/XX/XXXX to talk to a representative about the problem results in either being transferred to a department that cant handle the problem, or, being hung up on during the transfer. Every day I get messages from PayPal telling me that I need to reconcile this problem but the only available tools outside of attempting to get an agent on the phone is via their web application. Since my account went negative with PayPal they have locked me out of my account and are forcing me to attempt to pay this debt by charging it to a consumer credit card thereby inflicting me with a cash advance fee. I have the money to pay them, I want to pay them, but, they have made it impossible to pay them without incurring a fee for it and that is simply predatory.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (PA)

This complaint is due to the Consumer Credit Transaction with this companys financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) the term document means any information in any form. I demand this company CEASE and DESIST from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes, XXXX, XXXX, and XXXX. Please Cease and Desist the reporting of my private consumer information immediately.
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX - XX/XX/2022 ; The alleged account is showing OPEN and having a PAST due balance which is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards. 

XXXX XXXX XXXX XXXX They are reporting this alleged account on my credit, yet the company is permanently closed- therefore the debt can not be verified. The account is also showing OPEN and having a PAST due balance which is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards.
Consumer complaint received 2020-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (NY)

My complaint is against Amex account # : XXXX, date open XXXX, status open. CFPB please forward documents to the mentioned company. Everything is very clear in the documentation Im sending. This is my last warning to Amex to remove negative mark due to an error from their system from all 3 reports. I tried to do this with a goodwill explaining what happen and Amex did not even mark account as disputed therefore not even an investigation was made. This is a big violation to the Fair Credit Reporting Act, plus negligence, unfair business practices and the etc., etc. I want an immediate deletion letter from Amex, stating the removal of the of the erroneous negative mark related account. If this those not happen we will see in court what the judge decides. You have no idea how many violations you are committing here. My attorneys have them all and they are just waiting to your response through CFPB to pull the trigger in the law suit if necessary. Personally I just want justice and want the negative mark to be remove, but if you want to go to court, that way it shall be. I understand that anyone can make a mistake, but that mistake is financially killing me. Please be reasonable. I have a {$500000.00} mortgage pending because of thie issue and I alreadu gave $ XXXX. Thank you!
Consumer complaint received 2022-02-21
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. (MI)

I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( XXXX ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( XXXX ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions.
Consumer complaint received 2023-12-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Dovenmuehle Mortgage, Inc. (TX)

I use Web Bill Pay service to pay my mortgage monthly. I have it set to have the payments arrive to them on the XXXX of each month when the payment is due. Even though they receive the payment that day, they never post it that same day and instead wait sometimes 5 days before posting it to my account. When they finally do, I have had to pay more in interest charges that do not get applied to my principal. When I have contacted them in the past, they have told me it takes them a few days to process payments. When I view my account it shows days past the XXXX when it finally gets posted. I have paid likely thousands of dollars in extra interest charges that I didn't owe because they will not process the payments right away. In this age of technology, there is no reason a payment should not be posted the same day they receive it. I am but one person, they are making MILLIONS off of other people by not processing payments when received. Can anything be done to mortgage processors who conduct business this way? It is literally theft! As an example, they received my payment on XX/XX/XXXX, but didn't process it until XX/XX/XXXX. This happens nearly every month.
Consumer complaint received 2023-05-24
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. (VA)

XX/XX/2023 Experian XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX Dear Experian I recently reviewed my credit report and found an account that is inaccurate, and dont have a credit card for. I contacted the below creditors and they have NO proof I initiated such an account, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written or verbal, I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following account I dont recognized : XXXX XXXX XXXX
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

On XX/XX/2022, I sent XXXX a certified mail letter requesting information in which I have yet to receive a response! XXXX is in violation of my rights as a Federally protected Consumer!