davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
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. (IN)

The response to my previous complaint did not resolve my issue. I complained that your website had issues that seemed to remove my scheduled payment, resulting in me getting a late payment on my credit reporting. You responded by confirming that your website had issues due to a breach, and also confirming that my payment was not processed until a month later, therefore the late payment was valid. 

So, again, your website had issues, which I had reached out to you via email about several times, including before I ever received this late payment. I was under the impression the payment was scheduled, because the website mislead me due to the error code which is presumably related to the breach. When I discovered the issue, I was able to make a manual payment, but at that point it was over 30 days late. Because you caused this, however, and because you promised there would be no penalty for any payments caused by your website issues, this is unacceptable. I would like my credit reports fixed.
Consumer complaint received 2023-07-20
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: EQUIFAX, INC. (AR)

I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Opened XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$450.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (GA)

On XX/XX/XXXX, I scheduled a deposit of {$260.00} from an external account to my Credit Karma Spend account. According to Credit Karma, my funds were supposed to be available on XX/XX/XXXX. However, on XX/XX/XXXX, I attempted to use both my physical and virtual cards at a gas station, only to have both transactions immediately declined. Despite my card not being locked, I was unable to access my funds. I contacted your representative, who reached out to XXXX to determine the issue. During the call, she provided me with two new virtual card numbers, but both were also declined. I ended up stranded at a gas station, unable to fill up my tank in the cold. This experience was highly frustrating and concerning, as the promise of my funds being available within XXXX hours of the stated date of XX/XX/16 was not fulfilled. In case of an emergency, I can not rely on my Credit Karma card for essential purchases due to this incident.
Consumer complaint received 2024-03-13
Product: Credit reporting 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. (RI)

I FOLLOWED THE INSTRUCTIONS PROVIDED AND I AM STILL UNABLE TO LOG IN TO MYEQUIFAX.COM. I CALLED EQUIFAX ON FRIDAY XX/XX/24 I SPOKE TO A XXXX NAMED XXXX FROM EQUIFAX CONSUMER AFFAIRS AND WAS ON THE PHONE WITH HIM FOR OVER XXXX HOURS TRYING TO RESOLVE THE LOGIN ERROR I AM BEING SHOWN WHEN TRYING TO LOG IN TO MYEQUIFAX.COM. HE WAS UNABLE TO RESOLVE THE PROBLEM I AM STILL UNABLE TO ACCESS MY CREDIT REPORT AND CREDIT SCORE WITH EQUIFAX AND OTHER CREDIT MONITORING SERVICES. IT HAS BEEN 6 MONTHS I HAVE BEEN DEALING WITH EQUIFAX TO RECTIFY THIS SITUATION! AND IM STILL WAITING AS OF TODAY. I RECEIVED AN EMAIL BACK FROM THE CFPB STATING THAT THIS ISSUE WAS COMPLETED BY EQUIFAX AND ASSUMED I WOULD BE ABLE TO LOG IN TO MYEQUIFAX.COM AND GET IN OR ON ANY OF MY OTHER MONITORING SERVICES AND STILL NOT ABLE TO SEE ANYTHING! WHICH IS SUPER FRUSTRATING!!!! XXXX HELP ME HANDLE THIS AND SEE ATTACHMENTS
Consumer complaint received 2022-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This company has obtained my personal identification under false pretenses.Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
Consumer complaint received 2022-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is about trans union. I called XX/XX/2022 and was told I could call XXXX and ask questions about my credit report. 

I called last week around XX/XX/2022. I tried to ask the individual about my credit score because it has been having extreme shifts in points where there is no change in my credit report or debt. I wanted him to explain this to me. 

1. He could barely speak XXXX and I could not understand him. 

2. I could hear he was not in an office as there were home noises during the entire call and the static was also an issue.

3. He would not answer my questions, he kept taking me in circles telling me about my derogatory accounts and on and on when those derogatory accounts have been on my credit file for a very long time and there have been no new ones in years.

4. I have filed two disputes in the last months and after this my credit score fell. Two weeks ago it went up to XXXX now its back at XXXX. He would not explain why. 

5. I finally asked him what country he was in. He told me XXXX XXXX. I am furious about the fact that people dont even live here in the United States have access to our credit our Social Security numbers personal information etc. Theres so much identity fraud going on in here I was talking to someone that was obviously in his home talking to me. The whole institution of credit reporting and monitoring is something that happens here in the United States to people here in the United States it has nothing to do with anybody else in any other country. Nobody should have access to that outside of the United States and Im appalled That this is being allowed. I have had the same experience with XXXX  and other companies to outsource their phone calls to countries outside of the US because they are advocating XXXX labor into these poor countries. These people that work for these companies only know how to give scripted answers and they dont know how to help us and our personal information should be available to them anyway. I wan na know its all consumer credit reporting agencies do this and why this is being allowed. If your company monitors and regulates what they do then why dont people know that this is happening? I can guarantee you anybody I talk to you its not gon na know The people in XXXX XXXX are accessing their private information and credit reports and trust and believe Im gon na start telling people.
Consumer complaint received 2022-01-30
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: Experian Information Solutions Inc. (FL)

This company has obtained my personal identification under false pretenses.Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
Consumer complaint received 2022-01-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (NC)

To whom it concerns, I have requested an investigation by the three major credit bureaus for the following debt collectors : Medical Data Systems. This company has opened accounts using my personal information with no authorization from me. These companies have reported that the accounts of the alleged debt are open and active but listed under collections. How can an account show open under a collection status? I requested from all three bureaus ( XXXX, XXXX, and XXXX ) an investigation for this company. This company has reported incorrect illegal accounts to The Credit Bureau without consent from me. Medical Data System sent my personal medical information to me without a personal contract between them and I to hold my personal information within their company. This tactic is listed in the U.S. and State Law as identity theft and a HIPPA violation. These companies used my social security number, name, address, etc. They also created an account identification number without my permission within their establishment to identify me and I'm not sure who they are. I sent validation letters to this company requesting a signed agreement between us allowing them to open accounts in my name and they could not. According to 15 USC 1692 d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. I have multiple denials from major companies to operate in business due to this oppression.
Consumer complaint received 2022-01-30
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. (VA)

On XX/XX/2022 I disputed a total of XXXX inquiries on my Equifax consumer report and in less than XXXX hours, Equifax " reinvestigated '' and found all the inquires " factual '' I demand to see all documents obtained in the " reinvestigation '' that validated these inquiries that did NOT result of any credit extension or new open accounts. In pursuant to [ 15 USC 1681i ( a ) ( a ) ] the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 


Confirmation # XXXX that is confirmation numbered I received from Equifax following " reinvestigation ''
Consumer complaint received 2022-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

EQUIFAX I have 2 inquiries showing on my equifax report which are not mine and i do not have any open accounts with them. 

XXXXXXXX XXXX : XXXX XXXX XXXXXXXX XXXX  : XXXX XXXX I tried contacting them with no luck removing these unauthorized & frivolous accounts. 

XXXX XXXX XXXX I also contacted XXXX funding for removal of the collection accounts as they failed month after month to provide proof and have not been able to verify that the account is mine. 

I have no accounts nor have I have ever done business with XXXX XXXX XXXX.
Consumer complaint received 2021-08-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CARMEL FINANCIAL CORPORATION, INC. (GA)

I don't know who owns my debt. It is either XXXX XXXX or Carmel Financial Corp. 

XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX, WI XXXX Mailing Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , WI XXXX Carmel Financial Corp : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX This company sent a rep one day and scheduled an installer to come unannounced the next day. It wasn't until after the water refining system was installed, I learned I was denied proper credit. I was locked into paying for a debt I couldn't afford and should have never been issued credit for. The water system was extremely overpriced compared to other systems on the market. In addition to being denied credit, this company filed a deed notice against my property. I have not been able to refinance my home without this credit/debt showing against my property. They have used predatory lending practices to effectively lock me into this debt. I tried to contact them to settle the debt and they refuse to offer a fair settlement. The debt has grown exponentially and left me with few options to improve my personal credit situation.
Consumer complaint received 2019-08-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Byrider Franchising, LLC (IL)

In the wake of multiple data breaches of various organizations, I have been reviewing my credit for the past few months. I noticed a creditor that I was not familiar that dates back to 2014 per my credit reports. I have attempted on multiple occasions, in writing, to have the debt validated citing FCRA and FDCPA as a reference. The company was several times this year. I requested proof of the debt in all occasions. Specifically, I requested validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you ''. This exact language was used. To date, I have not received anything with the exception of statement showing a balance. No agreement, no signature ... nothing. Additionally, there was recently a lawsuit filed by this company against me in retaliation to my letters, which triggered my complaint to CFPB.
Consumer complaint received 2023-10-19
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: Experian Information Solutions Inc. (NY)

My credit report is showing late payments to XXXX XXXX XXXX and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Consumer complaint received 2016-03-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (GA)

XX/XX/XXXX we completed a Deed in Lieu on a rental property. We had submitted all the required documents and was paid cash for key. We received a document dated XX/XX/XXXX Deficiency Waiver Agreement. When Green Tree transferred to Ditech we started receiving calls that we were late. I was informed that 3 months after we completed the paper work they went to record the deed and the property had been sold in a tax sale. As of XX/XX/XXXX we started receiving notices from XXXX XXXX XXXX XXXX XXXX about foreclosure. I have made every attempt to resolve this with both the Attorney and Mortgage Company with no resolve
Consumer complaint received 2022-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (FL)

I believe Chase Bank used deceptive advertising practices by offering a card with incentives, but then not supplying me with the Chase card ( with incentives ) I originally applied for. 

In early XX/XX/XXXX, I saw an advertisement on the XXXX XXXX App to open a XXXX Chase credit card with a XXXX point sign up bonus. I applied for the card and on XX/XX/XXXX, Chase Bank ran a credit check on me thereby continuing the application process. 
I received a letter dated XX/XX/XXXX from Chase asking me to call to discuss my credit application which I did on XX/XX/XXXX. 
I then received a letter dated XX/XX/XXXX asking me to verify my SSN which I did on XX/XX/XXXX via a fax sent from a Chase Bank branch to the listed Chase fax number. 
Then after hearing nothing I received a letter dated XX/XX/XXXX asking me to call Chase Bank to again discuss my credit application, which I did on XX/XX/XXXX. During the call, I spoke with a " XXXX '' who indicated my card had been approved with a credit line of {$17000.00} and would be mailed in one to two weeks. 
On XX/XX/XXXX I received a basic XXXX Chase XXXX card, but not the card with the XXXX point sign up bonus incentive I originally applied for. 

I believe Chase Bank used deceptive advertising practices by offering a card with incentives, but then switched that card with a basic XXXX points credit card, one without incentives, and not the one I applied to receive. 

Chase has horrible customer service and through this process, I have literally spent hours on hold waiting to speak to their representatives.
Consumer complaint received 2019-08-07
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: RENASANT CORPORATION (GA)

We're the seller of a house that the Lender ( Renasant Bank ) in question is funding for the buyer. The lender did not disclose that they were helping the buyer use a Program called Georgia Dreams, which gives some kind of assistance to a first time home buyer. This particular assistance program involves a lengthy process that can last up to an average of sixty days, according to information on the program website. 

The lender only let everyone know about this exception on the date of the closing that it wasn't going to happen, which is not acceptable. 
Because the lender gave no warning to any of the parties involved, the closing date has passed with no end in sight. We can no longer fund the purchase of our new home and the seller of that house will likely bail out and look to sell to someone else. 

If the lender had disclosed that the closing would not be on time and in fact would likely take weeks longer than normal, we would not have made a house offer that we couldn't complete without the funds from this sale. 

Their actions have caused a cascading effect which is not only frustrating but economically devastating to several parties.
Consumer complaint received 2022-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am credit invisible and get denied many times when applying for credit or loans. According to Transunion, I have no accounts reported. Also, there have been inquiries by some of the companies with which I currently have loans. These same companies are currently and have been reporting that information to other credit bureaus for years. I can see from the latest credit report that companies that have inquired about my credit history from Transunion get no information. This I believe results in a denial of my credit or my loan application due to the fact that they can not review my credit history. I have previously asked for my information to be corrected and updated but that was years ago and I do not have the information as to when I submitted that request. I am tired and just wanted to be treated fairly.
Consumer complaint received 2022-01-30
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Westlake Services, LLC (FL)

On XX/XX/XXXX, I contacted westlake profilio management in regards to a refund check I was supposed to receive from a gap insurance after refinancing my XXXX XXXX XXXX with another company.The representative informed that the check was sent out on XX/XX/XXXX and wasnt cashed until XX/XX/XXXX. On XX/XX/XXXX, I closed and moved into my new home. I wasnt living at the previous address located at the time the check was sent to nor did I cashed it on XX/XX/XXXX. I expressed my concerns to this issue and the company has never reached out to me nor did they sent a letter about the status of the refund check after XXXX business days. Ive submitted a complaint to the XXXX  in regards to solving this case. The company continues to dismiss my rebuttal claiming that the check was cashed by me with an identical signature signed to it along with no evidence of where the check was cashed. I requested to receive a copy of the signed check cashed and where was the check cashed but the company continues to dismiss the questions being asked. The only response they given is that they verify with their accounting department and changed the date of the cashed check from XX/XX/XXXX to XX/XX/XXXX as their final response. The company has been very unprofessional and doesnt respect their customers business after making consistent payments to them before my account closed on XX/XX/XXXX. I will attach evidence of the inconsistency of the companys statement along with not providing any proof to these statements that they are claiming the check was cashed.