davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax ; XXXX and XXXX are failing to review and/or research any of my dispute letters. I have not received any communication from Equifax ; XXXX or XXXX regarding the status of my dispute letters. It is very disappointing that the bureaus are not taking the time to actually research issues outlined in my dispute letters and as a result of this lack of due diligence, negative items from the bureaus still continue to appear on my credit report. Pursuant to the F.C.R.A. ( 1 ) You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. ( 2 ) Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. I respectfully request the following items be reviewed by Equifax and XXXX -XXXX partial account numbers XXXXXXXX ; XXXX ; XXXX ; XXXX and XXXX. Also, I respectfully request the following items be reviewed by XXXX and XXXX - XXXX XXXX partial account number XXXX and XXXX XXXX partial account number XXXX. ( Please see attached pages from my credit report. )
Consumer complaint received 2020-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

For customers with multiple credit card accounts, customer credit line increase requests merely shift credit between existing credit card accounts rather than actual credit limit increases. I have made multiple complaints to Bank of America about this practice. Moving credit from one account to another is not a credit line increase.
Consumer complaint received 2020-12-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I was a victim of identity theft last XX/XX/2019. Since then someone used my info on my computer to acquire a loan on my vehicle that i purchased several years ago via cash. i still have the title. XX/XX/XXXX is not recognizing the it and is going to sell my vehicle.
Consumer complaint received 2020-12-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

I have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items
Consumer complaint received 2020-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I previously filed a complaint with the CFPB against the company LoanCare -- please see complaint # XXXX. 

I am now filing a new complaint because in their XX/XX/XXXX response letter ( sent via the CFPB portal ) to the previous CFPB complaint, they have made several statements that are not true. 

1 ) The XX/XX/XXXX response letter states that " according to our records, you were offered a three month forbearance plan beginning XX/XX/XXXX and ending XX/XX/XXXX. '' This statement is not correct -- our written forbearance agreement expires XX/XX/20. 

2 ) The XX/XX/XXXX letter further states that when " processing the deferral of your payments, the system is only going the defer the total amount due at that time. '' When we initially discussed the deferral on the phone with LoanCare, we clearly discussed deferring the entire time period of the forbearance. The terms of the written agreement are different than the terms we agreed to on the phone. We have been trying to correct this ever since we received the written agreement. 

3 ) The XX/XX/XXXX letter further states " when you make a mortgage payment, it is applied to the most delinquent payment due in accordance with your mortgage documents. '' Our written forbearance agreement and verbal deferment agreement includes the month of XXXX -- LoanCare has been mis-applying our payments since then. 

Please know that LoanCare has not executed their written agreement according to the terms they agreed on via telephone, they are misreporting credit information, applying payments incorrectly, and have made untruthful statements in their response letter to the CFPB. 

I have previously emailed copies of the documents in question, but let me know if you have questions or need further information. 
Thank you XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Caliber Home Loans, Inc. (OH)

I was late XXXX time and the closed report is stating that I was late XXXX times this is not correct and hurting my credit score.i want this fixed I've reached out to them numerous times about this even when the account was open and they did nothing account # XXXX caliber home loans
Consumer complaint received 2018-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Accounts Management Services (MI)

I have been contacted numerous times by a company I have never done business with. This company is in no way located or associated with the state of Michigan and I have never resided outside of this state. I have asked them numerous time via phone to VALIDATE the debt they say they have on file for me. They have not sent VALIDATION to me as to why they are contacting me regarding a debt I do not owe to them. I have NEVER signed or agreed to any contracts with this company and I don't know why they think they have any rights to continue to say I do or to contact me at all. They have placed this said debt on my credit reports without first sending me written proper validation or written warning. This is a violation of HIPPA as well as the FCR act and I have rights to take this further. I want them to decease contact with me immediately and them to remove this NEGATIVE mark from all of my credit report ASAP.
Consumer complaint received 2022-03-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX and the XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2018-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Continental Finance Company, LLC (MS)

In XX/XX/2013, I was in an auto accident whereas I sustained injuries and acquired substantial doctor bills that had to be paid. While tending to my injuries I missed one payment which shows on my credit report and is bringing my credit score down for it shows 30 day late. I have asked this company to remove since I am a good customer who pays on time. I want it deleted for we all can not say when we will need help or have an unforseen occurrence.
Consumer complaint received 2022-06-18
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( All Accounts ) has violated my rights.

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
Consumer complaint received 2022-06-18
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. (PA)

In accordance with the Fair Credit Reporting act Us Dept of EdXXXX Acct XXXX XXXX has violated my rights.

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
Consumer complaint received 2022-06-18
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. (PA)

In accordance with the Fair Credit Reporting act Us Dept of EdXXXX Acct XXXX XXXX has violated my rights.

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
Consumer complaint received 2022-03-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

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 Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-06-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. ()

I opened a non-resident account with XXXX XXXX through their international banking center using my XXXX address and phone number. The account worked fine. Then XXXX sold their retail bank to XXXX and failed to inform in time that XXXX is not an international bank and that I won't be able to access my accounts without a US phone number or download the XXXX banking app outside of the XXXX. I therefore haven't had access to my money since XXXX XXXX, when the accounts were migrated. XXXX has violated my Terms of banking which I signed with XXXX which clearly stated that this was an international bank account. 

I found a legal counsel who was meant to resolve this situation for me. She went to a XXXX branch and ask them for their power of attorney template and they told her that both of us have to be present at the branch, which is impossible as I am in the XXXX. 

I then as a last resort tried to use friend 's XXXX phone number to gain access to my account, move my money away and close it, but XXXX refused to do that because the phone number wasn't in my name. 

Since XXXX I have spent several hours on the phone with them and they were not helpful at all. I am therefore stuck with a my money in the XXXX without any access to it.
Consumer complaint received 2022-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion is listing personal information ( names, addresses, employers, phone numbers, etc ) inaccurately. 

Transunion is also listing multiple credit inquires on my credit report with most ranging from XXXX XXXX XXXX  with the highest number of inquiries being XX/XX/XXXX that were fraud and not authorized by me. I have contacted Transunion with stated information, and they responded that inquiries are " factual ''. This is NOT factual information as these are not my inquires and all of them are either through dealerships or credit unions that is not even in the state in which I am located. 

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 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 XXXXXX/XX/XXXX
Consumer complaint received 2020-07-28
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. (TN)

XXXX  and Experian are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

hello I am a victim of identity theft. enclosed are my valid and notarized identity theft affidavit. please review, delete & block the fraudulent item that is reporting inaccurately on my credit due to identity theft. as well as following the FCRA laws when a consumer submits an identity theft affidavit. I have no knowledge of this account, nor did I gain from the opening of this account. thank you in advance for your cooperation.
Consumer complaint received 2018-05-13
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: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I went into the XXXX in XXXX Ca and dealt with XXXX a XXXX XXXX salesperson and I clearly told XXXX that I would consider getting their services if I was able not to use my social security as I did not wanted a credit score pulled and he said " Do not worry, all I need is your home address and telephone number '' and I asked again " are you sure? ", he replied " Yes, we do not need your social security number ''. On XX/XX/XXXX XXXX XXXX send me an alert the XXXX XXXX XXXX  had done a hard inquiry on my FICO through XXXX, I immediately disputed that fraudulent inquiry with XXXX  and a few days later with XXXX XXXX XXXX as well. I believe that on the XX/XX/XXXX or XX/XX/XXXXI also spoke to an XXXX XXXX XXXX supervisor detailing the conversation I had with their sales rep at XXXX and that they needed to remove their fraudulent inquiry immediately! so far, I have not succeeded or have gotten that inquiry removed and my FICO has dropped about 21-23 points over that incident. Please help me!!
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I have reached out to Experian and XXXX about a Fraud account reporting to my credit report. XXXX XXXX  XXXX date opened XX/XX/2018 has reported a Fraud account for over a 3 YEARS! to XXXX and Experian. I have sent both the Credit Bureau police report and the FTC report. 

The credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the address associated with XXXX XXXX  account is inaccurate, and the date last reported is not accurate. This Ground for removal they also Violated my rights under 15 U.S.C 1681 section 602 A. states I have a Right to Privacy 15 U.S.C 1681 section 604 A Section 2. states A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.
Consumer complaint received 2022-06-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL (FL)

Icalled XXXX XXXX for a special they had for {$49.00} they would clean my ducts on my Air C onditioner. The representative came out and immediately started telling my system was in bad s hape and most air conditioning companies would tell me I had to replace the unit but she would be able to fix the probleme my system was running fine at the time ). She comes back with this es timate of {$3100.00}. I explained I did not have the money. She proceeded to sign me up with Sync hrony Bank for the money. She had me sign everything on a laptop computer. She sI aid she woul d email the paperwork which she did I look at the contract and realized that I had three days to c ancel the deal. The next day I called XXXX XXXX and told the Office Manager XXXXXXXX XXXX XXXX  I wanted to cancel the deal per contract. She told me there was a Restocking Charge of {$1000.00}. I would have to pay. I told her there was no restocking charge in the contract they had sent me. 

I had three days by Florida Law to cancel the contract, and I sent Synchrony Bank proof I sent the letter to XXXX XXXX  that I was cancelling the contract. Synchrony Bank is refusing the Florida Law and won't recognize that I cancelled the Agreement
Consumer complaint received 2023-08-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Due to required maintenance on car, I requested an extension on my car loan. It was granted in XX/XX/2023. Then I started getting alerts of a 30 day late payment on my car loan with Capital One. I contacted them and they tried to contact the credit department and couldnt reach them. So, they wouldnt provide me a direct number to the credit number and told me dispute the late payment through the credit bureaus.
Consumer complaint received 2021-02-13
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: CORELOGIC INC (NJ)

I Have Filed A Dispute In Regards To The Incorrect Item On My Credit Report, It Has Been Over 30 Days And I Haven't Received Any Investigation Results.
Consumer complaint received 2018-04-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (FL)

Selene Finance LP is the service company for FHA mortgage originally produced by XXXX XXXX XXXX XXXX XXXX  XXXX. I am the third party purchaser, assigned by a court order on XX/XX/2018 in XXXX County Florida. 
After properly service Selene Finance with proper court order, deed and original loan documents, I have made several calls in order to obtain payoff amount and to make a payment. I understand this property is in default, but as a third party purchaser ( and a finance company on its on ) we had nothing to do with the default on the loan and now trying to correct it. Selene Financial keeps ignoring the documents provided to them and will not give any information regarding this mortgage or allow us to make a payment towards the account. Their claim that they did not received the documents is false and can be easily proven. Selene Finance is not motivated to assist in resolving this mortgage for obvious reasons, the property was sold right under them while they still has interest in it. However, there is no reason why now, they could not provide the proper information is outlined by federal law. I have advised the agent at Selene Financial on every phone call that " This call is on a recorded line '' they acknowledged that the call may be recorded and yet kept providing extremely hostile response.
Consumer complaint received 2021-02-13
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: CL Holdings LLC (NJ)

I Have Filed A Dispute In Regards To The Incorrect Item On My Credit Report, It Has Been Over 30 Days And I Haven't Received Any Investigation Results.
Consumer complaint received 2022-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CO)

Navient consistently tells me that I do not have forbearance options when I am trying to defer my loan payments due to being financially impacted during XXXX these past two years. They are charging me interst during this difficult. Their practices are unfair I want the money accruing taken off because I know that is what the government has arranged during this pandemic. I am an XXXX XXXX during XXXX. Their practices are shady and this honestly has been going on since before covid.
Consumer complaint received 2018-05-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I applied for a Home Equity Loan and was told the following : The rate for your loan was at 8.74 % and the max allowed was 7.39 % so we can not proceed. This was after pulling my credit. This individual XXXX XXXX said he could not explain it any better and he sent me an e-mail saying the same thing with no clearer an explanation.