davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-20
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. (LA)

Im submitting this complaint against XXXX Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and XXXX distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

Please delete this account from my credit report because they are reporting inaccurate information. The company XXXX XXXX # : XXXX. This company XXXX is reporting inaccurate information and the tradeline should be removed as soon as possible. I received a response from the collector that states that they received the account in XX/XX/2019. However, they are reporting 2 separate dates, XX/XX/2019 and XX/XX/2019. I have never agreed to authorize this merchant to collect on this balance which are reporting as late and at this time the information that is being reported is considered misrepresentation with false information provided to 2 credit bureaus. The company is also reporting under 2 separate names and providing negative payment history. The CRAs have an obligation to report accurate information, please stop this company from damaging my credit with this incorrect information.
Consumer complaint received 2020-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MI)

We took out what we believed was conventional second mortgage in our home 15 years ago at an interest rate of 9.375. We realized it was a high interest rate but felt we had no choice as we needed a roof desperately.We have been making payments faithfully for that time. 
We received a notice today that a balloon payment of {$8000.00}. Is coming due! There is nowhere on our paperwork that defines this as being a balloon loan and was not presented as one at the time of signing. 
I would never have agreed to that nor paid such a loan for 15 years.
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (MI)

I got this message from Discover. 


As a result of a recent review of the Discover it account referenced above, we will be closing your account as of the date of this letter or shortly thereafter. 

Keep in mind, any purchases or transactions made will still be posted to the account. However, the decision to close your account is final. 

This action will be taken for the following reason ( s ) : Inactivity on your account ( s ) % of balances to credit limits is too high on revolving accounts Length of time revolving accounts have been established I have revolving accounts that are more that is XXXX XXXX XXXX, using XXXX of XXXX of available credit on all accounts. Yes there was no activity but they never allowed me a change to increase the account activity. This now has a negative impact on my credit score since an account with history has been closed. How is this acceptable with the consumer not being given a change to rectify the issue.
Consumer complaint received 2020-03-15
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: WELLS FARGO & COMPANY (WI)

cfpb id # XXXX I have tried to correct this issue with XXXX. XXXX still incorrectly reports this account as open and late. We had a car loan with Wells Fargo Dealer Services. The vehicle was sold to XXXX XXXX XXXX XXXX in XXXX XXXX, WI. The title was sent by Wells Fargo to XXXX XXXX XXXX XXXX to the satisfaction of Wells Fargo. This debt still remains on our XXXX   credit report. When attempting to dispute it, the first time was immediately after we sold the vehicle, XXXX  rejected the dispute. Now two years later, we are trying to have this removed from our credit report and XXXX  website refuses to process the dispute stating they only have to investigate once which was immediately after the vehicle was sold. XXXX responded to cfpb id # XXXX and still cant get it correct. The {$6100.00} is not past due as stated on XXXX. It was written off. It has been corrected on XXXX  Confirmation # XXXX and XXXX. Documentation is available.
Consumer complaint received 2020-03-27
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. (VA)

Please delete this account from my credit report because they are reporting inaccurate information. The company XXXX XXXX  # : XXXX. This company XXXX is reporting inaccurate information and the tradeline should be removed as soon as possible. I received a response from the collector that states that they received the account in XX/XX/2019. However, they are reporting 2 separate dates, XX/XX/2019 and XX/XX/2019. I have never agreed to authorize this merchant to collect on this balance which are reporting as late and at this time the information that is being reported is considered misrepresentation with false information provided to 2 credit bureaus. The company is also reporting under 2 separate names and providing negative payment history. The CRAs have an obligation to report accurate information, please stop this company from damaging my credit with this incorrect information.
Consumer complaint received 2020-03-27
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)

My car is braking down and I decided to try in trade my car in. When I got to the dealer I was told that first step was to see if I qualified to trade in. My credit was pulled and determined that there was quite a list of unknown items I have never heard of. These things on my report are not mine. Please remove these items from my report.
Consumer complaint received 2020-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lendmark Financial Services (VA)

THIS IS NOT A DUPLICATE- I received a response from Lendmark Financial regarding the loan # XXXX, however the information that was provided by XXXX XXXX , Chief Administrator Officer was incorrect. Originally, I requested a goodwill courtesy update for the past due reporting on my credit report. I was able to review my credit report and was able to find multiple inaccuracies. According to XXXX, Lendmark is reporting that this account was closed on XX/XX/XXXX, XXXX  XX/XX/XXXX and XXXX  there is no closure date. Lendmark is reporting to XXXX and XXXX  that the account opened on XX/XX/XXXX but with XXXX, it is reporting that the account opened on XX/XX/XXXX. 

Lendmark is reporting with XXXX that my account has 3 ( 30 Day ) late payments and 1 ( 60 Day ) late payment. However with XXXX and XXXX, Lendmark reports that I have 2 ( 30 Day ) late payments and 1 ( 60 day ). 

I have previously requested to remove past due reporting from my credit report as a courtesy because this inaccurate information is damaging my credit. However, the Chief Administration Officer stated that information reported was accurate which is considered to be misrepresentation.
Consumer complaint received 2024-04-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Finance Company, Inc. (AL)

Beginning in XX/XX/XXXX, I noticed a collection account on my XXXX credit report from Professional Finance Company, regarding XXXX XXXX. I have never been a patient of " XXXX '', now owned by XXXX. The account number provided within my XXXX credit report is XXXX, for a charge of {$3200.00}, with a date of XX/XX/XXXX. At no time in XXXX of XXXX, or in the years XXXX, XXXX, XXXX, XXXX and XXXX have I been to ANY hospital to receive ANY medical treatment. On XX/XX/XXXX, I sent a letter to Professional Finance Company at XXXX XXXX XXXX XXXX XXXX XXXX containing an Identity Theft Report, an Identity Theft Report Debt Collector Letter and a Notice to Furnishers. I provided a copy of my government issued drivers license as proof of identity. Professional Finance Company failed to respond. I resent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and finally XX/XX/XXXX. I have never even received a collection notice from Professional Finance Company and in violation of clearly established case law, Professional Finance Company has failed to respond to each and every letter. Each failure to respond is a violation of federal and state law, and clearly established case law. This is and will be my last attempt before litigation to resolve this matter amicably. The original FTC Identity Theft Report Number is : XXXX. The lack of willingness to respond is very concerning and makes clear there is a high probability that Professional Finance Company could be in possession of medical information, in violation of HIPPA laws. Furthermore, Professional Finance Company is reporting inaccurate information to XXXX, such as listing the account as " open '' instead of closed. Professional Finance Company also does not provide a " closed '' date as a collection company is required to provide. Please see the attachments.
Consumer complaint received 2020-03-27
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)

I was trying to trade my vehicle in for a newer model and I was told from my salesman that I could not made any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there were unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.
Consumer complaint received 2020-03-15
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. (TX)

On XX/XX/2019, I began personally disputing an adverse account for {$170.00} that had been listed on my credit reports that did not belong to me. I received replies from the CRAs that the information was verified accurate although no information was provided to attest this. Instead of disputing through the CRAs again, I disputed directly with the original creditor listed on the reports. I sent the letter to the original creditor on the XXXX day of XXXX. In less than two weeks, I received a response letter requesting additional documentation. 

On XX/XX/XXXX, I mailed additional information to the original creditor and on XX/XX/XXXX I received a reply that states they submitted a request to XXXX, XXXX XXXX, and Experian to remove the trade line. The letter also states " The credit bureaus request that you allow 14 to 30 business days for this request to be deleted from your credit report. '' XXXX XXXX and XXXX   removed the trade line within the 30 business days. Experian has not removed the trade line despite of the original creditors request ; I've also sent the acknowledgement letter I received from the original creditor to Experian and still nothing. 

Experian is continuing to report information that has been recorded as inaccurate. They are in violation of Section 611 ( 5 ) ( A ) as well as Section 617. The original creditors request has been ignored by Experian. This error is affecting the way I am perceived by creditors. The trade line that Experian is continuing to report is not an accurate indicator of my actual credit worthiness.
Consumer complaint received 2021-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

{$32000.00} was taken from my account via several unapproved transactions, and are denying the claim. My XXXX XXXX  account experienced the same fraudulent attacks, but they reimbursed me. 

This was my savings, and now I am left with nothing.
Consumer complaint received 2021-03-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION (FL)

On today 's date, government supplied stimulus check, received notification it was received but would not be accessible until XX/XX/XXXX. My grandson, who also has a Navy Federal account, was given access to his stimulus check on this date. I believe Navy Federal is withholding due to seeing payments to be made on XX/XX/XXXX due to my Social Security check being deposited on that date, and will try to charge overdraft fees if the money is not readily there, as some banks have been known to do. Please look into this, IRS Treasury 310 Tax EIP3 Routing number XXXX, available XX/XX/XXXX.
Consumer complaint received 2020-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (OR)

On XX/XX/2020 I was billed for {$21.00} and was told that on XX/XX/XXXX I ordered a credit LOCK on my account ... I was in the hospital with XXXX  XXXX and did not authorize any LOCK ... I had called a year ago to order a Credit FREEZE .. which i was told was free ... Plus I was have an extreme issue trying to understand the off shore operator and she apparently was not understanding what I was trying to say to her ... after telling her I was going to contact you she mysteriously understood that I wanted my " membership '' charge reversed and still wanted my credit FREEZE put on their account ... free .... 

she also offered a {$4.00} monthly fee to credit Freeze ... what kind of XXXX  is going on here ...???
Consumer complaint received 2020-03-15
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: REVERSE MORTGAGE INVESTMENT TR (WA)

In XX/XX/XXXX, I entered into a reverse mortgage with XXXX XXXX XXXX XXXX XXXX ( Loan # XXXX ). Everything went smoothly until I received a 'Notice of Assignment ' ( attached ) from Reverse Mortgage Funding in XX/XX/XXXX. When I received the assignment, I noticed that the balance on my loan had changed dramatically. RMF instructed me to call XXXX because they were working with what had been sent to them prior to the assignment. XXXX gave me such a run-around that I knew something was fishy. I initiated a refinance with XXXX in XX/XX/XXXX that was completed in XXXX. I will be XXXX this XXXX and I refused to allow anyone to cheat me out of my home. Even though this is an added burden on me, I worked too hard to get my home. 

Then, on the XX/XX/XXXX, I received the letter that's also attached from RMF. I have no idea what to do. From the very beginning, I have gotten 'word salad ' from both of these companies.
Consumer complaint received 2020-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a dispute letter for account listed on my credit report and inquiries on XX/XX/2020. I have not heard anything from Transunion regarding my dispute and I also sent them a demand to comply letter that they have not responded to regarding unverified information being listed on my credit report that damaging my credit score
Consumer complaint received 2021-03-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (LA)

XXXX account was paid after it was sent into collections-Paid/Closed. 
XXXX keeps reporting I owe them I called XXXX to get my settlement letter and last payment to submit to XXXX and they wont provide the payment statements.
Consumer complaint received 2021-03-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc. (AZ)

Law firm is showing I have a complaint, I have seen zero validation, this is a mistake and it must be taken off. This law firm is showing on my credit report without any contact. I have not received any validation that the account belongs to me. The collection was listed as open as of XX/XX/19 of {$6500.00}. I need for this collections to be removed from all credit reporting agency due to lack of validation. Thank you.
Consumer complaint received 2021-12-14
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I SENT LETTERS TO THESE CREDITORS ABOUJT INQUIRIES THAT SHOULD NOT BE ON MY CREDIT REPORTS. I NEVER DID BUSINESS WIHT THESE CREDITORS AND I DID NOT AUTHORIZE THESE CREDITORS TO ADD THESE INQUIRIES ON MY CREDIT REPORTS.
Consumer complaint received 2021-03-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXX XXXX  is reporting twice. Ive asked them to remove the error. I was told well if you pay your debt it will probably update. 
How can they report the same account twice with different amounts and payment dates? She yelled and disconnected the call.
Consumer complaint received 2021-03-20
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)

There are 5 accounts on my credit report that are not mine I have been disputing these with the credit bureaus as well as the furnishers since XX/XX/2020 and no disputes have been opened and no one has contacted me to let me know what is going on. It is really time consuming to be chasing the Credit Bureaus to remove information that does not belong to me. 

These are the accounts Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (MI)

I was notified by the 3 credit bureaus of a collection account that was placed on my credit report by LVNV Funding. Apparently they bought this account from XXXX XXXX XXXX that was already paid for back in XXXX. Also per Michigan law you have to have a license to collect any form of debt. They do not have one at this time.
Consumer complaint received 2020-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I opened a Wells Fargo checking account for the {$400.00} bonus the bank offered. I have spoken to many bank officials to make sure that I completed the offer, but now I've been told that they can't find my offer. I spent an hour with a Customer Service Representative last week who got on the phone with Corporate and was unable to find out any details, let alone, when I was to receive the {$400.00}. I feel like I've been lied to and and misled, it's worse because I can imagine the hundreds of thousands of customers duped across the nation. I can not let this stand.
Consumer complaint received 2022-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

For the past four to five months, Bank of America has been discriminating against me based on my transgender status against me by refusing to unsuspend my account. I have made multiple requests, and they have refused to restore my account. As a result, I have been unable to make payments to my credit card, resulting in late fees.
Consumer complaint received 2020-03-27
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: EQUIFAX, INC. (TX)

XXXX XXXX, XXXX bought mortgage from XXXX in XX/XX/XXXX, and info did not make clear my loan number already belonged to someone they already had. Payments were processed to my account correctly through XX/XX/XXXX, and then they did not show payments. They reported me as making late payments erroneously to Equifax. On XXXX XXXX XXXX showed my score with them as XXXX, on XX/XX/XXXX it lowered 4 points because I had a balance of less than {$250.00} on my {$8000.00} limit. Thought that was bad until it dropped 161 points to XXXX on XXXX because of one company 's incorrect info. 

I do not think that big a drop should be allowed based on one company, and, now that it is corrected and shows they know I have no late payments, I think it should be back in the 800s where we were before. I tried to submit a dispute with them, but it did not seem to take ... and then had someone call to survey my complaint with them. He gave me their phone number to dispute when told him my survey was negative since I did not even know it had gone through, but I found no option to dispute without going to their website, which said there was an error and to try again later. I stopped trying after several days.