davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-06
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. (IL)

Dear to whom this may concern, I submitted proof that information on my report was falsely being reported, but the company continue to say it is accurate. They have not shown how this information is accurate or verified, therefore it should be removed. 

Bankruptcy XXXX filed dispute XX/XX/2022 Bankruptcy XXXX filed dispute XX/XX/XXXX XXXX
Consumer complaint received 2022-07-06
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: Experian Information Solutions Inc. (VA)

I have already send complaints and letters to the bureaus and to the companies and they never response to my request to provide proof of validation, payment history and all the results of the investigation but they never provide any of the request I sent. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2016 ; XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/201XXXX XXXX
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 — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

XXXX XXXX is in violation of the CARES Act by reporting late payments to the credit agencies while the property was in forebearance as a result of the COVID emergency. 

XXXX XXXX has the following in its possession 1 ). the approved forbearance letter from XXXX XXXX, dated XX/XX/2020 for the time period of XX/XX/2020 through XX/XX/2020, 2 ). notice from XXXX XXXX that the mortgage was paid-in-full on XX/XX/2020 and 3. ) Equifax credit report showing late payments for XX/XX/2020 and XX/XX/2020. 
I have spoken with four individuals at XXXX XXXX on XX/XX/2020 ( two contacts ), XX/XX/2020 and XX/XX/2020. There is a credit dispute on file with XXXX XXXX, dated XX/XX/2020. XXXX XXXX 's claim is it takes 30 days to resolve. This is unacceptable in that it is a violation of Federal law and should be remedied immediately. Additionally the credit error is preventing me from proceeding with a refinance on my primary residence mortgage which has negative financial implications.
Consumer complaint received 2022-02-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX XXXX, in accordance with XXXX XXXX XXXX  and XXXX XXXX
Consumer complaint received 2022-02-04
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: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I started by sending a letter to the company so that I could verify the validity of this account. I could not verify the account with the information I received. I sent 2 letters requesting this information. I then sent a cease and desist letter, I requested that they not report this unverified debt until I receive the information so that I could verify the validity. Next, I filed a complaint with XXXX. They responded but it did not show any information that showed this was my account. XX/XX/2022, I spoke with XXXX XXXX and XXXX XXXX ( collection supervisor ) about this problem and they were unable to assist me.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

These addresses are undeliverable to me by the XXXX postal service and needs to be deleted from my credit file immediately : Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Incorrect Address : XXXX XXXX XXXX XXXX  XXXX, SC XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, SC Incorrect Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX On ( XX/XX/XXXX, and XX/XX/XXXX ), I asked you to investigate items that I believed were reporting not 100 percent accurate. As of now, I have no notice from you all stating that the accounts are in investigation. The furnishers will not respond to my repeated attempts for validation. In my previous letter, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Please delete these accounts. 

Please see my reasons for dispute below : I have disputed this account on ( XX/XX/XXXX, and XX/XX/XXXX ) Section 605B states that if this account is the result of identity theft and have submitted the police report I filed, this account it should not be on my credit report, and I need you to remove it immediately. 
I also believe this is reporting inaccurately, please verify this information is correct. 

Please see my reasons for dispute below : 1. Collection Account : XXXX XXXX Account # XXXX Each credit bureau is reporting different information regarding this account. XXXX is stating the and Equifax is stating the date of last activity is XX/XX/XXXX and XXXX is stating the date of last activity is XX/XX/XXXX. Please delete this account from my credit report due to inaccurate information. 

2. Collection Account : XXXX XXXX XXXX Account # XXXX Please investigate if every piece of information is correct related to this account. If not, please remove it from my credit report. Because putting inaccurate information on my credit report could cost me higher investment rates and I have enough expenses as it is.
Consumer complaint received 2022-07-06
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. (VA)

I have already send complaints and letters to the bureaus and to the companies and they never response to my request to provide proof of validation, payment history and all the results of the investigation but they never provide any of the request I sent. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2016 ; XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/20XXXX XXXX
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX of XXXX, I sent several letters asking them to either remove the account or update the account to PAID AS AGREED, since the Statue of Limitation for negative reporting had been reached as of now I still have not heard anything from them. 

On XX/XX/XXXX I called XXXX XXXX and after several minutes I was informed that they could not find the account on file and I should contact their customer support team to get this resolved, which as of now has not been resolved. 

I tried to dispute with Equifax, but they keep reporting this account as verified even though XXXX XXXX says they do not have this account active anymore and it was sold to another lender. 

I am asking that there is some type of resolution from XXXX XXXX  to either remove this account or update to PAID AS AGREED, since this negative information is impacting my ability to purchase a house.
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: Experian Information Solutions Inc. (MA)

XXXX XXXX XXXX made a Typo in my SSN number entry that led to incorrect SSN number update in Experian, XXXX  and XXXX  records. 

This further caused issue in my Federal Refund that is now delayed, IRS issued letter XXXX which requires me to verify my id on www.idverify.irs.gov that uses Experian for reference and the online ID verifications are failing. 

I suspected and then got the typo in my SSN corrected at XXXX XXXX XXXX on XX/XX/2021, and also raised individual dispute cases with XXXX, Experian & XXXX  , however my SSN data have still not been corrected. Experian 's dispute notification now incorrectly states 'The issue date of Social Security number that you gave us when you contacted us is not verified by the Social Security Administration ', while infact they did not ask me for this information during my phone call with them, and the documents that I have uploaded for them are scanned copies of my original SSN card, W2 and my license. 

I am now unsure if it is a XXXX problem or Experian, and they are making me go pillar to post without taking full accountability to correct my personal information in their records.
Consumer complaint received 2022-07-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I entered into an agreement to pay past due ballance. Was given an option to pay minimum, or give additional amounts. I have sent additional payments, and requested by phone a monthly statement showing ballance due, with payments applied. I have sent in total 10 payments, and one large check in the amount of XXXX. This company rrefuses to send me any acknoledgement of recieved payments, along with new ballance. Also, this was a home equiety line of credit subject to a tax deduction. Company never sent my interest paid statement for the year 2021.
Consumer complaint received 2018-07-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc. (AZ)

In the fall of XXXX I opened an account with XXXX XXXX XXXX. I used XXXX and paid my monthly fees until XXXX of XXXX when I faced an extreme family tragedy. During this tragedy I was out of state for multiple weeks and did not receive any letters or notification from XXXX that my account was closed and sent to collections.
Consumer complaint received 2022-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (FL)

I called the automated system in XXXX to make my payment and given a confirmation number. I later discovered on my XXXX statement the payment was not accepted. I called my bank and informed the funds were available but the transaction request was never submitted. I conferenced my bank and Servicemac CSR to resolve the issue and informed the request was submitted twice but Servicemac couldn't provide an account number or proof of submission. I had Servicemac take the payment manually for the second time. This company appears to intentionally process payments incorrectly to charge late fees. XXXX XXXX XXXX XXXX have numerous complaints but the issue is never rectified. I enter the same account each month but it's a hit or miss if the payment is processed properly. This needs to stop. If the automated system is faulty then the payments should be taken manually without a fee.
Consumer complaint received 2022-02-16
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-07-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (MT)

This is in regard to my earlier complaint # XXXX. The company did send me an email but the issue has NOT been resolved. This is my email reply to the company 's letter dated XX/XX/XXXX : " Thank you for the response. I was able to open the savings account but I have not been able to fund it. I get an error when I try online and your customer service has been unable to help. The offer that I am trying to redeem is set to expire on XX/XX/XXXX and I have already lost over a month in time as I don't get the miles until 90 days after I have met all the requirements. Also, there was a message saying that I would get XXXX bonus miles for a {$10000.00} deposit as opposed to the XXXX bonus miles mentioned in the offer. When I called customer service about that, she said to just go ahead and fund it and I would get XXXX ( which I doubted ) so I tried but as I just said I can't. 

So after numerouscalls plus having to file a complaint with the CFPB, I am still unable to fulfill the terms of your offer which I have been diligentlytrying to do for over a month. 

I will not be satisfied until I see XXXX miles added to my AAdvantage card. Attached in the error I get when I try to fund. I will call again today and see if a personal banker is able to fund it for me. '' The rest of the info XX/XX/XXXX : Same day I called to see if I could get a banker to fund my account. She said I had to wait until I received my debit card in the mail ( not sure why I would get a debit card for a savings account ). She did give me my promo code which was nice ( # XXXX ) and confirmed that I would get XXXX miles with a {$10000.00} deposit. I asked for her supervisor to see if she could fund the account but she was not able to. She transferred me to another department that was supposed to be able to deal with the error code XXXX. Finally realized I could use my XXXX XXXX XXXX account to fund the Citibank account which is what Im trying now. I am waiting for trial deposits.
Consumer complaint received 2018-11-25
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)

On XX/XX/XXXX, I received a letter from XXXX XXXX stating that I required a deposit because of a low XXXX XXXX Score. However, the key factors listed included a " Lack of Open Service/Professional Accounts '' and there is no definition or explanation of this anywhere. It offered me the right to get a free credit report, but this does not explain or provide what accounts listed are actually service or professional accounts.
Consumer complaint received 2019-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (NC)

I was mailed a letter of Denial from Sychrony Bank stating that I requested to open a Credit card with paypal Credit. 
The date of the letter is XXXX/XXXX/2019. 
The application date is XXXX/XXXX/2019. 
The individual used a previous address for the application. ( XXXX XXXX XXXX XXXX XXXX  XXXX, North Carolina. XXXX ). 
The Reference Number for the transaction or letter is XXXX  : XXXX. 
I recieved a second letter of denial dated XXXX/XXXX/2019. This letter is from Synchrony Bank also. They stated that they were unable to open a paypal credit card. The individual used the same former address ( XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX ) The reference number for this transaction or letter is Reference : XXXX The application was done XXXX/XXXX/2019. 
I tried to get some of the credit bureaus to remove old addresses and some of them refused. I have put freezes on some, but there remain a few I can not do. This is the reason im reporting or making a complaint.
Consumer complaint received 2020-02-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I leased a XXXX XXXX. At the end of the lease- XX/XX/2019, I returned the vehicle to the Dealership. Now Toyoto Finance is charging me for a left rear tire slashed and the front window broken. The car did not have these issues when I dropped it off with the Dealership. The Finance company sent me a letter dated XX/XX/2019 ( practically two months later ) requesting me to pay {$590.00}. I have been in conversation with them disputing these charges, they dropped it to {$500.00} but said this is a verbal offer only and will not send a new invoice. They continually call me ( I blocked ) their number. I have been in touch with my Salesman and he said to just ignore them. Then I got in touch with the Leasing Mgr. & the Customer Relations Director.  They said an inspector ( not part of their team ), inspects the vehicle for wear & tear. They were concerned why it took them so long to get in touch with me.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (MO)

I filed a identity theft report in XX/XX/2023. Listed on my credit report is XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I have no contracts with either of these creditors.
Consumer complaint received 2020-02-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC (IL)

Before Source Receivable Management bought this account, I had disputed this account with two other collection agencies. Both XXXX XXXX and XXXX XXXX agreed to stop collection on this account due to unverifiable documents. I ask Source Receivable Management for supporting documents that state that this account belongs to me and if it is accurate and nothing has be received. I disputed on line and also in writing. They have reported to the bureaus that the account has been verified but no documentation has been presented. How can they verify if two other companies could not?
Consumer complaint received 2018-07-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Risecredit, LLC (CA)

XXXX XXXX XXXX , XXXX. has listed an alleged debt on my three credit reports which I have no firsthand knowledge of and no contract in existence proving the debt reported is legally valid. No solicitation of service was ever performed and no request for the services this organization provides was ever requested by me. I have sent four certified letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( receipt attached ) and XX/XX/XXXX ( receipt attached ) requesting verification that the alleged debt ( {$4400.00} ) is mine, including any documents bearing my signature agreeing to this alleged debt. XXXX XXXX XXXX , XXXX. has responded to the letters from XX/XX/XXXX XX/XX/XXXX with printouts of a bill and itemized documents ; however, they have just responded with a letter only to the request for signature validation on XX/XX/XXXX letter which also informed them that according to FTC opinion letter from XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. I have yet to receive any verifiable contract or document bearing my signature. I am requesting that since they can not provide indisputable proof bearing my signature of the alleged debt, that this account, including the Original Creditor ( RISE ) be removed from all three credit reports and that this collection agency cease and desist from trying to collect from me.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I am listed as being XXXX XXXX late on my XXXX XXXX XXXX for however after requesting my statements be XXXX to my the branch XXXX because XXXX bank has REFUSED to XXXX my statements to me and has instead keep me on XXXX statements despite me telling them XXXX times I do not have access to XXXX statements. This is a violation of the XXXX act and due to this XXXX reporting I will be filing a XXXX against XXXX Bank. However at present I am providing proof that my account can not be XXXX XXXX late as my due date is XXXX and at present it is XX/XX/XXXX. I am providing both my XX/XX/2023 and XX/XX/2023 statement XXXX DIRECTLY from the branch XXXX. Showing both XXXX and XXXX paid on time. This XXXX reporting needs to be fixed IMMEDIATELY as it has caused extreme harm to me XXXX and XXXX and I will be seeking XXXX action against all parties not just XXXX Bank if it is not corrected expeditiously. 

I have attached a copy of my XXXX for XXXX verification
Consumer complaint received 2022-07-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Funding, LLC has been on my credit report for XXXX years, XXXX months. It is for a credit card debt, I dont think I even owed and as a credit card debt, it shouldnt even be collectable at this point. They keep increasing the balance by {$1.00} everytime I dispute it with XXXX XXXX instead of responding. They also change the activity date to stay on my credit report longer.