davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-10
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: Experian Information Solutions Inc. (FL)

I have a RV Loan with XXXX XXXX  that was initially in XXXX. In XXXX, XXXX XXXX  offered its clients the option to participate in a XXXX deferred payment plan. I participated in the plan for the months of XXXX, XXXX, XXXX and XXXX. At the moment clients are enrolled in the plan, I was not notified that it would withdraw me from the automatic draft. As a result, a late payment in XXXX is being reported on my credit file as well as late payments for XXXX, and XXXX of XXXX. I was equally disturbed that my credit file indicated that a late payment was reported 30 days late for the same month of XX/XX/XXXX. For me, this was is a concern, as it is not possible to be 30 days late within the same month. Indeed this represents an error. 
I was enrolled in the automatic draft ACH payment and was told, XXXX XXXX was unable to process a payment in XXXX, XXXX. XXXX Bank indicated that they made an attempt to contact me via phone as this dis-enrolled me in the automatic draft system. XXXX XXXX  did not indicate the reason why the draft was not completed, and also did not suggest or prove that it was due to insufficient funds. I did not receive a call, nor did I receive a letter that I was not enrolled in the plan and as such, XXXX XXXX did not withdrawal the proper payments from my account and thus reported my account as being late to the credit bureaus. XXXX XXXX  indicated, that they sent mail during the pandemic, however US Mail delivery options were often reduced, limited, mis-delivered, or any mail not sent via certified is not guaranteed delivery during the pandemic. 

Attempts to contact XXXX XXXX during the height of the pandemic were met with multi-hour wait times, call disruptions, disconnections or being transferred to multiple specialist with further call cancellations. As of XX/XX/XXXX, I had to call and request a digital copy of the deferment letter.
Consumer complaint received 2021-06-15
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: EQUIFAX, INC. (FL)

While checking my credit report, I notice an account from XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. On XX/XX/XXXX, I received a letter from them stating that they had verify the account, see attach, but they did not provide me with the requested information that was used to verify the accuracy of account. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXX XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2021-03-10
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)

I have a RV Loan with XXXX XXXX  that was initially in XXXX. In XXXX, XXXX XXXX  offered its clients the option to participate in a XXXX deferred payment plan. I participated in the plan for the months of XXXX, XXXX, XXXX and XXXX. At the moment clients are enrolled in the plan, I was not notified that it would withdraw me from the automatic draft. As a result, a late payment in XXXX is being reported on my credit file as well as late payments for XXXX, and XXXX of XXXX. I was equally disturbed that my credit file indicated that a late payment was reported 30 days late for the same month of XX/XX/XXXX. For me, this was is a concern, as it is not possible to be 30 days late within the same month. Indeed this represents an error. 
I was enrolled in the automatic draft ACH payment and was told, XXXX XXXX was unable to process a payment in XXXX, XXXX. XXXX XXXX  indicated that they made an attempt to contact me via phone as this dis-enrolled me in the automatic draft system. XXXX XXXX  did not indicate the reason why the draft was not completed, and also did not suggest or prove that it was due to insufficient funds. I did not receive a call, nor did I receive a letter that I was not enrolled in the plan and as such, XXXX XXXX did not withdrawal the proper payments from my account and thus reported my account as being late to the credit bureaus. XXXX XXXX  indicated, that they sent mail during the pandemic, however US Mail delivery options were often reduced, limited, mis-delivered, or any mail not sent via certified is not guaranteed delivery during the pandemic. 

Attempts to contact XXXX XXXX during the height of the pandemic were met with multi-hour wait times, call disruptions, disconnections or being transferred to multiple specialist with further call cancellations. As of XX/XX/XXXX, I had to call and request a digital copy of the deferment letter.
Consumer complaint received 2021-06-14
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. (GA)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XX/XX/XXXX YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2022-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ark-La-Tex Financial Services, LLC (NC)

I selected XXXXr XXXX  XXXX Benchmark Mortgage to finance my recent primary home purchase in North Carolina. After years of dealing with XXXX ( XXXX XXXX XXXX ), the XXXX at XXXX was fully aware with my frustration in having them as my mortgage lender. Their customer service rates an F with little to no support, waiting days for a return phone call, and months for an answer to a question submitted via the online channels they provided to me. 

So it was quite a shock when my loan closed on XX/XX/XXXX to have XXXXXXXX XXXX SELL my loan immediately to ... guess who ... XXXX XXXX. I received an email message first from XXXX XXXX last Thursday on XX/XX/XXXX ( before even my first payment ) without having received any notification from XXXX XXXX, until I right away reached out to them to ask WHY would you sell my loan to this lender of all lenders out there? They flippantly replied that it was already sold, too late, nothing could be done except to hope that XXXX XXXX chooses to re-sell my loan again at some undefined point in the future. 

How can a company do this without any input from the actual customer? Consumers should be given a choice of 2 - 3 potential lenders, and then we select with whom we wish to work for the next 30 years. At this point, my only option to avoid working with XXXX XXXX is to refinance the loan, which I will do as soon as feasibly possible. 

Mortgage lenders have no governance or oversight to their nefarious practices. WHen I select a company, I expect that company to provide the services NOT to have them instantly sell my debt to another company. This practice has to stop.
Consumer complaint received 2022-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio recovery seems like a debt collector than strive off of misinformation & bullying people into paying debt that doesnt belong to them. If I owe a debt I have no problem paying it. What I will not do is pay a debt that is not mine. Because I know this debt is not mine I have written over 15 certified letter to portfolio recovery asking for them to validate the debt. They keep sending their computer generated letter saying their investigations are correct but no proof. They even restarted the debt to benefit there personal gain. They even reported the account as an individual but when I did my own investigation its a joint account open by my X husband without my knowledge or permission. I explain to them that they would never see a transaction signed by me because I never had or seen this card. They refused to remove this fraudulent account. They have been unable to provide any of the requested documents to validate they account & think what they say goes. I have rights & in a world where so much fraud is being done to every day people I refuse to be held liable for someone else debt. I was not even aware of this account because I had my own XXXX XXXX XXXX  & was thinking the information was on my card not a fraudulent account not done by myself. Portfolio recovery refuse to validate the debt in the correct way & have the nerves to report a joint account as individual to trick me into thinking its my account & my debt. They are violating my rights & is even breaking the fair credit act. Even tho the Credit bureau have all the proof of this company basically committed fraud against me & reporting inaccurate information on my report being harm against me 2 of the 3 agencies have refused to remove it & I know Portfolio has not validate this debt in the lawful way. And I want to hold XXXX XXXX XXXX also accountable. They can not run a company base on lies for there own personal gain. By law if they can not validate & proof this account belongs to me then they must remove from my credit report. They keep sending me transaction history than can be done by anyone. Thats the purpose of fraudulent activities. Nothing showing a transaction made with my wet signature just computer generated papers that anyone can print up on a computer. They need to be a full investigation against this company.
Consumer complaint received 2021-06-14
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. (CA)

XXXX, Equifax and XXXX are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX XXXX XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2022-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX my Purse was stolen while on vacation in XXXX XXXX while dining at XXXX XXXX. The content of my purse included my Wallet, Cell phone, passport and over {$600.00} in cash. Once I returned to the United states, I noticed unauthorized transactions on my credit card and debit cards. 

I contacted well Fargo regarding the fraud transactions. I filed a claim with XXXX XXXX on XXXX XXXX 2022 for {$1600.00} I was told it would take 10 days to investigate the claim. After 10 days, I receive a letter stating the claim was closed and it did not appear as fraud. The letter read : telling me that they believe the transaction was made by me or someone authorized by me. 

After receiving the letter, I reached out to Wells Fargo to have this claim reopened. After speaking with a representative and explained that my phone, Wallet and passport was in my purse and stolen, She stated, she would get this case reopened. I followed up with Wells Fargo after on XX/XX/XXXX. and I was told that my claim would not be reopened and they did not need to disclose the reason for the denial. Then I was told they would send me a request for Documentation and it will take 30 days to get the request form. 

I asked to be transferred to a resolution specialist. I was then ask to send it the police report and other documentation showing the property I was staying at the time in XXXX. I submit this information on XXXX XXXX. 

I contacted Wells Fargo on XXXX XXXX to make sure they received all the documentation. I was told they received the proof and documentation but the claim will remain closed. 

I have repeatedly asked what else do they need to prove these transactions were fraud and I did not authorized anyone to use my card for a hotel room or to withdraw money from an ATM. 

After submitting all the request information, My claim was still denied. I'm not if XXXX because my bank do not care I was robbed. I was told to contact the police department and they could possibly help me. The Police department told me to contact me bank due to the fraud.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXXXXXX 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 2022-03-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (HI)

There was a fraud on XXXX and I reported it to Coinbase and they assured me that they were not going to release those funds, however they did against my consent. I phoned them 3 times that day, explaining them it was a fraud. 
They also sent me an email saying that those funds ( {$800.00} aprox ) where not going to be released before XXXX when I authorize the transaction ( email attached. ) however they did not follow through and released those funds on XXXX. 
I have called Coinbase for about one month now, and they have all types of excuses for not returning the funds, and they run around not taking any responsibility.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (SC)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " XXXX XXXX '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - XXXX XXXX XXXX and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you XXXX help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your XXXX to help us.
Consumer complaint received 2022-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX  and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-14
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. (SC)

I have received several unauthorised inquiries on my account since the beginning of the year I have asked for numerous times to get help to no Avail. There are also several clothes on authorised accounts which I try to get help with also to no Avail
Consumer complaint received 2022-12-03
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 sent in a dispute for accounts that do not belong to me! I sent this letter to the bureaus over 30 days ago!! 

I began trying to obtain a home for my family and was denied due to erroneous information present on my credit reports. Since I noticed the incorrect information and accounts I got in contact with all the bureaus, which they then told me to submit my disputes through writing. I have been spending my time and money to submit these disputes to the bureaus and yet they do not provide me with any proof of ownership on ANY of the disputed accounts. I feel TARGETED and ATTACKED by these bureaus that are suppose to help consumers! 

The bureaus XXXX, XXXX, and TransUnion are also blatantly breaking the law by taking over 30 days to investigate my dispute and by reflecting accounts on my credit report that are inaccurate and inconsistent. They are in direct violation of FCRA 605!! And the Fair Credit Reporting Act, 15 U.S.C. 1681g! 

The accounts I disputed are showing inaccurate Last Active Date, Payment History, high limit amount, date opened, payment history are all NOT reporting the same across all bureaus and this is NOT Metro 2 complaint, a regulation that all bureaus NEED to follow. 

I beg you please help me correct these issues because it is truly unfair that I am not able to obtain a home for my family like others can. I am starting to feel that because I am XXXX American I am being targeted and not being allowed to progress because they are placing these inaccurate accounts on my consumer report!!
Consumer complaint received 2019-07-30
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On receview of my credit report, I noticed unfamiliar companies requesting copies of my credit report. 
These companies are : XXXX XXXX  XX/XX/XXXX Capital on Finance XX/XX/XXXX XXXX/ XXXX XXXX XX/XX/XXXX XXXX  XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-02-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I sent letter to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance : {$860.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} XX/XX/XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$790.00} XX/XX/XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$470.00} XX/XX/XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$470.00} XX/XX/XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$470.00} XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX