davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

On XX/XX/XXXX sent letter to credit bureau asking for Method of Verification of bankruptcy ( did not dispute, just asked for MOV ) On XX/XX/XXXX their response was by the Bankruptcy court/XXXX  On XX/XX/XXXX sent letter to USBK COURT XXXX VA-asking if they verified and on XX/XX/XXXX I received their letter back, stating they do not report to the credit bureaus. 
On XX/XX/XXXX sent a letter to XXXX the 3rd party agency asking them to send me documents used to verify alleged bankruptcy and on XX/XX/XXXX I received a letter back stating " After a reinvestigation of the data in question, XXXX was unable to verify the accuracy of the bankruptcy and removed this record from my XXXX report. 

On XX/XX/XXXX sent letter along with court house letter and XXXX  XXXX  letter stating the bankruptcy was unverified and to remove from credit and on XX/XX/XXXX I received a response back stating " we investigated the info you disputed and updated : NOT SPECIFIED '' and showed how it appears on my credit file>did not remove. 

On XX/XX/XXXX sent letter to credit bureau again stating the bankruptcy is not verified, stating I had provided proof that their method of verifying was invalid and warning that I would file a formal complaint to which no response has been received.
Consumer complaint received 2021-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

Capital one credit card company simply refusing to allow me to redeem the cashback rewards that I earned over the last 14 years, and illegally cancelled my account to prevent me from doing so and instead they sent me a new card with a new number
Consumer complaint received 2021-09-29
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: WELLS FARGO & COMPANY (CT)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft WFDS Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2023-01-21
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: EQUIFAX, INC. (FL)

Equifax has Violated 15 US Code 1681c-2! They have denied receiving my letters to them, they have also denied receiving communication from the CFPB.
Consumer complaint received 2021-09-29
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. (CA)

My car loan for a XXXX XXXX XXXX with XXXX was paid in full back in XXXX. Soon after XXXX sent us the title to my vehicle as normal when you pay off a vehicle. However, XXXX is reporting to Equifax that there is still a past due balance of {$1100.00} and this account is in collections. I have contacted Equifax and requested an investigation and to verify that this account was not paid in full. I have also requested that Equifax send me documentation, names and numbers with regards to their investigation that this is being reported accurately. I also sent Equifax a copy of the title I received from XXXX, advising that the title is sent when the loan has been paid in full. How can I have the title from XXXX if I still owe a balance. This account is paid in full.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I reviewed my consumer reports and noticed that I had late payments on an account I was never late for. The consumer reporting agencies have assumed a vital role and are responsible for reporting consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts and I have included screenshots inside this complaint. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be because I was never late. Thanks! Please see the screenshot attached :
Consumer complaint received 2023-06-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PLANET HOME LENDING, LLC (AZ)

My ex husband got a house in my name. he XXXX XXXX  me i filed for XXXX  and the magistrate ordered him to refinance to get in his name in XXXX XXXXHe didnt do the magistrates order, I had to take him to court for contempt and finally won in XX/XX/2023. I need this removed from my credit. Thank you for your time.
Consumer complaint received 2023-06-22
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. (FL)

I am requesting again in regards to the inaccurate and unknown inquiries on my credit report. There are multiple errors shown in my report. Please verify that all inquiries is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete these inquiries and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE (CA)

We had disputes about how AIM Loan handled our escrow accounts ( XXXX houses with them at the time ). They made double payments for our property taxes. As a result, we had access payment on our escrow account which they refunded to us ( {$5800.00} ) and closed our escrows. We misplaced the checks and called them on XX/XX/XXXX to reissue them. Today as of XX/XX/XXXX, we have not received them. 

Below are our attempts to contact them with no solution. 

Called on XX/XX/XXXX XXXX PM The normal timeline is XXXX days from XX/XX/XXXX Called on XX/XX/XXXX at XXXX AM They saw the request is still pending. Will accelerate. XXXX XXXX business days to cut the check. 

Called XXXX/XXXX/XXXX XXXX PM XXXX XXXX status > Still pending but will escalate 10 days. XXXX XXXX is there. 

Called XX/XX/XXXX XXXX PM Check Status > Refund checks should be ok regardless of a new servicer Called on XX/XX/XXXX at XXXX PM Still in process, recently escalated. 
XXXX ( supervisor in the cust svc dept ) will rush the checks & follow up call back with the request. 
Promised to call back on XX/XX/XXXX, at XXXX PM around this time from number XXXX but never heard from them. 

Called XXXX Customer Service Department on XX/XX/XXXX, at XXXX AM Tried to speak with XXXX XXXX with XXXX. She looked at the history XXXX sent an email 2 days ago. Will follow up with XXXX and then call me back. Will try to find out what took so long. The confirmed total amount for the check : XXXX of them : {$3000.00} + {$2700.00} + {$16.00}. 

As of XX/XX/XXXX Never heard back from either XXXX or XXXX.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I am a person not a credit repair agency I called experian today at XXXX XXXX central standard at the and talked to a ignorant representative XXXX I asked it fa ha supervisor or boss she has me on hold for over 2 hours and is playin on the phone they be playing games and lyingh messing peoples lives up. I hate dem XXXX and needs my XXXX fixed bcuz this aint even right and dats how people cant be getin XXXX dez XXXX  gone made me not get my furnitute fo my kids and dez sum dum.
Consumer complaint received 2021-09-29
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: PNC Bank N.A. (VA)

On XX/XX/XXXX I purchased several items from a website which is no longer existent. Then the confirmation email was not sent and because I ordered a previous items with the merchant. I never received the items. It was explained to me via email which was from a gmail account that shipping would be delayed Nonetheless, my second purchase was not received or recognized on the merchant end and I never received the item Therefore, I submitted a dispute. 

Please see attached the first purchased which was refunded due to none availability.
Consumer complaint received 2021-09-29
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. (PA)

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. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX/MAIL-Date of Inquiry XX/XX/XXXX XXXX  XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Consumer complaint received 2021-09-29
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. (TX)

I sent a letter on XX/XX/2021 by USPS certified mail to Equifax, XXXX, and XXXX, disputing inaccurate information they are reporting to my credit report and they failed to send me results of any investigation! They are in violation of the Fair Credit Reporting Act by continuing to report unverified/inaccurate information to my credit report and I demand they immediately reinvestigate the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2021-09-29
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Receivables Performance Management, LLC (CA)

I contacted the company Receivable Performance on late XXXX, I was given a settlement offer to resolve an outstanding balance with XXXX. I asked the representative if the account would be remove from my credit and the representative said yes and told me once the account is paid they will request a deletion on my personal credit report. Now after 2 months I noticed the account is showing on my credit as paid and I contacted them on XX/XX/XXXX and had to speak with a representative from the escalations department. I spoke with XXXX XXXX and she said they never offer the credit report deletions, I explained her that I am sure the representative promised a credit report deletion and that I needed because I am applying for a mortgage loan, she said they would review the call and asked for some days. Today I called her back and after XXXX hour on the phone I was able to get a hold of XXXX XXXX, she said she will call me in 5 min, after 50 min I had to call her again since she didn't called me back. When she finally pulled my account she said that after reviewing the call, there were some noise on the background and she can not confirm if the the representative I spoke did or did not promised a credit report deletion, but she assume the representative did not. That is not a fair investigation, I explained I need this account delete from my credit report because I will lose my mortgage deposit. At this point I just don't believe that XXXX XXXX reviewed the call. At this point I am requesting to Receivable Performance Management LLC a copy of the recording because don't believe on the background noise answer, I am sure the representative promised a credit report deletion and if I lose my home deposit for this I will sue Receivable Performance Management LLC for the money lose and the thousands of dollars I can save on with the current history low interest rates.
Consumer complaint received 2021-09-29
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. (MA)

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 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-29
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. (CA)

On XX/XX/2021, I sent a letter in regards to erroneous and obscure things on my credit report. Right up 'til the present time, more than 30 days after the fact, I have not gotten a reaction at this point. I feel like I'm being taken advantaged of and being disregarded. Segment 611 ( a ), It expresses that inability to examine these things inside 30 days gives motivation to promptly eliminate those things from my credit report. It's been more than 30 days so they ought to be erased expeditiously. I request that these records be erased promptly or I will petition for prosecution because of the pressure you have caused me. My data was likewise affected by the Equifax information break and may have gotten under the control of some unacceptable individual.
Consumer complaint received 2021-09-29
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: INTERFIRST MORTGAGE COMPANY (GA)

I want to report the mortgage company I just worked with for not following the law. I applied for and received a home cash out loan. 

My mortgage originator and company : Interfirst XXXX XXXX XXXX # XXXX Mortgage Loan Originator XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX XXXX  : XXXXXXXX XXXXXXXX XXXX : XXXX | XXXX : XXXX  I requested to review the loan documents before closing. I couldn't get anyone to respond and supply them. I had to demand that I get the Loan Document disclosure 3 days prior to closing as required by law. They finally provided it at XXXX XX/XX/XXXX. My closing was XX/XX/XXXX at XXXX XXXX. 

I wasn't able to review closing loan paperwork/promissory before closing. I only received the Closing Document the night before closing. 

I NEVER received a 3 day right to rescind. When I signed documents, I signed with an attorney that came to my home, not the one I requested, but it was too late to change the night before. 

I signed the documents, and she said she will have them witnessed when she goes home by her son. 

I didn't receive any copies of the documents, nor did Interfirst inform me there is a 3 day wait to receive funds or that I had a right to cancel. 

I continue to call and email asking about funds and how I would receive them. They did not respond to my requests. I also requests copies of my loan contact, signed documents. They have not given me them. On Monday XX/XX/XXXX XXXX informed me I had to wait 3 business days for funding. I requested my loan documents from XXXX but haven't gotten anything. 

I then called the attorney and she sent me a PDF of the unsigned documents. XXXX XXXX XXXX, XXXX. The mortgage company has sent nothing. 

As of now, I don't know how I'm supp ose to pay the loan, I don't know what my rights are. 

They shouldn't be able to not provide documents that are required by law.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: VYSTAR CREDIT UNION (FL)

This is about a fraud committed on my VYSTAR signature credit card. There are charges remaining on my card that I reported as fraud many weeks ago. I have a new card now and the original card where the fraud was committed is cancelled. However they continue to roll the charges on to my new account number. They tell me it can take up to 30 days to resolve. Meantime I have around {$10000.00} in charges still posted on my account. This affects my credit score. They should remove the charges and then investigate but they do not. Ive called several times and am told it is in processing. Unacceptable!
Consumer complaint received 2023-02-06
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)

I sent a letter on XXXX XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days after XX/XX/2023. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (DC)

Bridgecrest stated that the balance on my account is due to the XXXX  deductible which ally only covered XXXX and the insurance didnt however the insurance company took the XXXX  deductible out of the settlement check before they even paid Bridgecrest so Im still confused as to how do I have a left over balance on my account when there was no deductible included in the first place the settlement amount that the insurance settled for was XXXX when they subtracted the XXXX  dollar deductible that left a balance of XXXX so again Im confused why they are saying the balance left on my account was the amount the insurance didnt cover
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Dear Sir, My dispute claim was turned down on the reason that the Company certified that the Payment report to be true. I sent a second dispute request proving that the data is FALSE!

Here is my 3rd dispute and, if not accepted, I'll see them in court. 

Payment history guide 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX 1. XX/XX/XXXX report shows the balance at {$28000.00}. 
2. XX/XX/XXXX report shows that the full amount of {$28000.00} was paid. 
3. XXXX, XXXX, XX/XX/XXXX reports show {$0.00} paid and yet the payment history show no late payment status. 
4. XXXX and XXXX history are the SAME and yet they show 30 and 60days late!! 
These are the FALSE statements. 
5. In XXXX, I received a notice that they received full payment. 

Balance history XXXX XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$28000.00} Paid on XX/XX/XXXX XX/XX/XXXX {$28000.00} Balance {$0.00} Schedule payment {$0.00} Paid The original amount of this account was {$28000.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX FL XXXX XXXX, CA XXXX Your statement NEVER LATE, ACCOUNT WAS PAID AS AGREED. 



Please take immediate action and correct my status. 

Thanks, XXXX XXXX