davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-24
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. (GA)

On XX/XX/2019 I submitted complaint Consumer Financial Protection Bureau # XXXX for XXXX XXXX Account # XXXX in the amount of {$540.00}. On XX/XX/2019 I received a notice from Equifax in the Consumer Financial Protection Bureau that stated that they would investigate the claim. Today I received a letter in the mail from Equifax Confirmation # XXXX dated XX/XX/19 saying they investigated and verified this account as accurate and they MODIFIED THE ACCOUNT. 
I can not explain how this account dispute was disputed and verified on the same date XX/XX/2019. How can Equifax receive, investigate and conclude the details of an account in one day? I am requesting the method of verification allowed by FCRA Section 611 ( 7 ) and would like  the results to be mailed to me in 15 business days as required by law
Consumer complaint received 2019-07-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

I received a collection notice in the amount of {$1400.00} USD from Fair Collections Outsourcing located at XXXX XXXX XXXX # XXXX, XXXX, MD XXXX on behalf of XXXX XXXX  in XXXX, Michigan. I received this notice by mail at my residence in NY on XX/XX/2019. I responded by phone on XX/XX/XXXX to get more information about the collection, at which time I confirmed the correct mailing address of my residence in New York. I did not believe the amount of collection was correct and mailed a letter indicating dispute of this amount on XX/XX/2019, as is within my rights under the Fair Debt Collection Practices Act. FCO was obligated to verify the debt before reporting the collection to my credit agency, but did not do so. A representative of FCO, XXXX, told me in a telephone conversation on XX/XX/2019 that the collection was reported to the credit bureaus on XX/XX/XXXX. This is less than the 30 days allotted for consumer dispute. In a recent telephone call with FCO a representative indicated that the verification letter that they sent was mailed to an address where I do not reside in CT, rather than my updated address which was given in XXXX. FCO proceeded to report the collection and failure of payment in the amount of {$980.00} to the credit bureaus without providing me with adequate verification in response to my collection dispute. {$980.00} is the correct amount of the collection, which was paid on the same day as I was made aware of the revised debt. As a result, my credit score fell significantly. Upon contacting FCO to notify them that their practices were in violation of the FDCPA they refused to delete the erroneous collection report that was forwarded to the collection bureau. I believe that it is injurious and malicious to have reported my collection before the 30 days that is allotted for a dispute, attempting to correct an amount grossly larger than the true debt, and refusing to correct a mistake that was reported to the credit bureau.
Consumer complaint received 2022-02-22
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. (VA)

On XXXX XXXX 2022 I sent letters reguarding inaccurate and unknown items in my credit report to this day over 27 days later I have not recieved a response yet. I feel I am being taken advantage of as well being ignored for my disptues. In Scetion 611 ( a ), it states that a failure to investigate these itmes within 30 days gives a reason for immediately removeal of these itmes from my credit report it has been 27 days and i have yet to hear anything. So these Items should be deleted promply. I request that these items be deleted immediately or I will file litigation due to the stress I have been caused by having false inaccurate infromaion reported on my credit report. I was also impacted by the XXXX data brech and may have gotten into the hands of the wrong person
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Rocket Mortgage, LLC (IL)

I have tried multiple times to delete ALL of my personal information from Quicken loans dba Rocket Mortgage. I keep receiving unsolicited offers due to my information being sold/shared. I followed all instructions on the website for deleting personal information. However, I keep receiving emails saying my request has been denied.
Consumer complaint received 2018-08-17
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. (OH)

i have filed a identity theft report due to multiple credit inquires on my credit report. Somebody has been trying to get credit under my name. I already have multiple cards under my name from years that i have been using. most of my cards are paid off with no balance so i dont see any reason for me to apply for more credit cards. I just received a copy of my report from XXXX and equifax after i filed a complaint against XXXX for reporting wrongful information on my report and i noticed all these inquires. not authorized inquires in last 3 months are XXXX   XXXX XXXX XXXX XXXX XXXX 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 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The list of information and inquiries was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, TransUnion Bureau did not take any action to remove the incorrect information and inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-06-29
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bread Financial Holdings, Inc. (GA)

On today, I was informed that XXXX XXXX XXXX repeatedly called a phone number at my job for the past two weeks attempting to reach me via the company unauthorized telephone. This number is not my direct line nor was this number provided to the company to call. The number is assigned to another employee in the office and not my contact information. I gave XXXX XXXX my cellphone number my home address, and e-mail information if the business needed to reach me. I spoke with the company several times to keep abreast of my debt with the company. Although, I communicated with XXXX XXXX, I continued receiving automated calls up to 10 times a day normally during work hours. In the end, the employees of the bank devised a plan to continuously call an unauthorized number using an automatic recording during my business hours. The recording was heard repeatedly by my co-worker everyday, several times a day for two weeks. This is not their debt. However, they were subjected to daily harassment. Also, my private information and debt to the company was exposed. I spoke several times with an agent today who informed me that it will take some time to remove that number from my account. Although, I never provided that number to the company. Now, my co worker will continue to receive the harassing phone calls until XXXX XXXX XXXX finds the time to remove the information.
Consumer complaint received 2022-02-03
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. (TN)

I have been dispute this account : XXXX XXXX XXXX off and on for a year with Experian and XXXX. This item was removed from my credit report XX/XX/XXXX and reinserted back onto my credit report XX/XX/XXXX without warning or notification in writing. I am a victim of identity theft. This XXXX account was open XX/XX/XXXX. At that time I was incarcerated. My incarceration date was XX/XX/XXXX and I was not released until XX/XX/XXXX. Experian has responded to me by email several times to tell me they will no longer reinvestigate my dispute and will not remove nor block this item, saying that XXXX certified that the account belonged to me which is false. Experian nor XXXX provided me with any proof. XXXX only sent me bills showing me transaction details which is not proof.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2018-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (ME)

I have a visa card with XXXX XXXX sponsered by XXXX. Without my permission, they have terminated my account with XXXX and are reissuing a XXXX with Citibank. Im not sure how a clothing company is allowed to make these types of financial decisions for a consumer. I have contacted the state Banking commission and was advised that as both are Nationally chartered banks they have no jurisdiction and referred me to you. Please let me know how what they have done is within the federal banking rules.
Consumer complaint received 2018-08-17
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: BARCLAYS BANK DELAWARE (IN)

We are writing to dispute charge on XX/XX/XXXX ; ( {$3800.00} ). on our XXXX, XXXX XXXX   Visa Address : XXXX XXXX XXXX XXXX, DE XXXX After a ( 4 ) hour, high-pressure sales presentation, we reluctantly entered into a timeshare agreement with XXXX XXXX XXXX, ( XXXX ) before discovering the extent to which the company has engaged in unfair, deceptive and fraudulent sales practices. ( Phones not working, etc ). They made us open a XXXX Visa credit card and put the down payment ( {$3800.00} ) on it. The terms that we agreed to are not what the company ( XXXX XXXX ) has delivered. I received an email from XXXX XXXX ( XXXX XXXX ) on XX/XX/XXXX. XXXX fully cancelled our contract with them. XXXX totally did not want to argue or litigate a suit we would have against them. ( I will also attach their emails on the cancellation. ) They realized their deceptive practice and terminated our contract with no problems. They told us to contact Barclay on the down payment. We disputed the amount of {$3800.00} which was used as a down payment to purchase this worthless timeshare for over 7 months. There were two charges by XXXX XXXX XXXX on XX/XX/XXXX. {$30.00} which went to closing costs and {$3800.00} went to the down payment. XXXX, ( XXXX XXXX Visa ) refunded {$30.00} on XX/XX/XXXX. Barclay realized their deceptive practice. Barclay needed to refund {$3800.00} to us as well. We were charged {$3800.00} for nothing in return. We disputed this, but to no avail. They will not refund our money, stating XXXX will not refund them the money. This complaint is against Barclay Visa for not refunding our down payment that we gave XXXX and put on the card. ( Actually XXXX should give the money back to Barclay first. )
Consumer complaint received 2022-02-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Mercedes Benz Financial Services (FL)

My wife and I leased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX , NJ. The lease was through Mercedes-Benz Financial Services . We decided to purchase the vehicle and received the payoff letter from XXXX on XX/XX/XXXX. We followed all the instructions and overnighted the check ( along with a package which included an odometer reading, copy of Florida drivers license, special Florida mailing instructions, a copy of the payoff letter, a Florida payoff checklist, a copy of our auto insurance, a signed Florida Power of Attorney/Odometer disclosure, a signed lease end inspection summary, a copy of the Florida vehicle registration, a signed certificate of emissions and the titling instructions ) for XXXX within the 10 day window. The check was mailed overnight on XXXX XXXX, XXXX, tracking number XXXX, and they cashed the check XX/XX/XXXX. We also included a separate check for XXXX made payable to XXXX XXXX and XXXX per the instructions from XXXX financial. This extra fee that XXXX XXXX requested was so they could register the vehicle in our name at our current Florida address. We were originally told that we would get the title in 10 to 14 days so we requested that it be sent to our NJ address. After not receiving the title by XX/XX/XXXX, we updated the request to have the title sent to our Florida address. We have contacted XXXX XXXX weekly by phone every week for the last XXXX months because we have yet to receive our title. On each phone call we are promised that the title is forthcoming. One of the excuses that we were given was that a title mistake was made when we re-registered the car to our Florida address in early XXXX. They blamed this on us (!! ) but this was also a problem with their title department... we did not initiate a title change at that time! 

It has been over over 15 weeks since we sent them our check and we have not yet received the title as of yet. In fact the last conversation we had with them on XX/XX/XXXX, we were told that we would not be getting a title in our name, but would be getting a payoff letter so we could register the title ourselves. This seems odd because we already paid XXXX to Sunstate Tag and Title and included that check ( per MBFS instructions ) in our payoff package sent to Mercedes Financial on XX/XX/XXXX. 

I have attached XXXX pictures showing the checks that they cashed and the receipt from our overnight package to them on XX/XX/XXXX. I have copies of all the other documents but they exceed the 10 megabit limit to upload with this complaint.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion 's web site lacked clarity and lead me to enroll in a credit monitoring membership service I never intended to enroll in. It is was not clear and obvious on the web site that that by freezing my credit report I was agreeing to a free monitoring service followed by a mandatory paid membership to a credit reporting service. Another unfortunate business practice is that I was not sent an email informing me of the specific start date of the paid membership. I only found out about membership fee by accessing my monthly credit card statement on XXXX, XXXX. I immediately cancelled my membership but was charged for the membership until XX/XX/XXXX without a refund. Thus, I am being charged for XXXX  days of monitoring past my cancelling date!
Consumer complaint received 2021-06-12
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation (CA)

Due to covid i went into forbearance i ask for help with a modification which I was told by a home point financial advisor that it would be a better option..at the time there was a streamline option that didn't require paper work. It would allow to put the past due amount in the rear of my loan continue with regular payment and same interest rate 2.9percnt ..i went with a modification that was approved at XXXX per month 3.5percent interest rate. Which is not at my best interest. Home point financial states that the VA decided my interest rate which is not the current rate is a much higher one..now my other options are closed by home point financial and i have to accept this modification or risk losing my home
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens bank had been given a letter of explanation to put in the file regarding an XXXX acct with fraudulent charges! The atty and closing agent known to each other were both aware of this. I can not and should not be forced for an incorrect fraudulent acct by Citizens which is currently being negotiated on by the atty hired! The atty fir closing in home have nothing to do with this Citizens forced me to hand over {$1100.00} or more on an acct that they were tons over  and over was not accurate via Letter, phone calls and at every turn! Now they have funds being held which I was told would be held by the bank and that if not. They are forcing me to pay an incorrect acct that I have let them know to no end is wrong! I two weeks ag requested that the funds be sent to me and there has been no response at all! I would like all my finds sent to me Now please from them There were so many issues with this loan that I would like to move on from but will not allow anyone to trick, force or coerce me to pay a fraudulent bill!
Consumer complaint received 2022-01-13
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/2021 I went to XXXX XXXX of XXXX XXXX to purchase a used vehicle. I was told my credit would be run with them to see if I would be approved for a loan. I agreed. I was not informed that my credit would be run by multiple companies ( listed below ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was approved through XXXX but XXXX XXXX did not disclose that they would send run my credit through multiple companies. I attempted to contact the companies to remove the inquiry but they told me that they are valid because the dealership ran it. I disagree as I did not authorize them to run my credit through multiple companies outside of them.
Consumer complaint received 2018-08-17
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

My information has been breached, everyone knows it ... everyone is taking full advantage of it and even trying to get a loan, claim, Grant in my name. It's real hard due to the fact that my own family+friends betrayed me. I haven't made one claim get but XXXX XXXX and citi bank both want to act like it's not going on.. they never let me see the computers when I physically talk to a banker.. They just insist on lieing in my face as they delete all the transactions in front of me.. It's not right nobody can access my accounts except me, There is no joint or nobody who's my financial partner wether they have the same last name as me or not.. always deception and XXXX discrimination by citi bank and XXXX XXXX.. I've been with wells for 10years for them to take advantage is straight wrong.
Consumer complaint received 2018-08-17
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. (GA)

I filed chapter XXXX bankruptcy in XX/XX/XXXX case no. XXXX. I have made multiple requests/disputes to both XXXX and XXXX to update my credit reports to show that the account is included in bankruptcy. Although both companies received regular payments from the bankruptcy trustee, they continue to show my account status as a Charge Off and do not report the accounts as included in my Chapter XXXX plan, which will be discharged soon. XXXX even re-dated my account to make it appear it was charged off in XX/XX/XXXX with no status change to reflect that account is part of my chapter XXXX plan.
Consumer complaint received 2021-07-25
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. (OH)

I the the consumer aka the creditor have believe that i am a victim of identity fraud and have been held accountable for other false allegations. I spoke with the company about removing these alleged late car payments off of my credit file numerous times and no action has been taken place. I also spoke on a recorded conversation ( on their behalf ) and was told that I owed this debt. According to 15usc1681 this is a disclosure to the consumer ( me ) and is in fact against the law. I believe this debt falls under 15usc1681j charges for certain disclosures this contract is not signed by me the contract states that all documents are signed by me and the dealership with signature, everything is typed and electronically noted without my permission.Also even on the contract it says that the contract was wrongfully noted i have proof from the contract itself which is also considered tampering which is against the law. Lastly the contract states that I have the ability to dispute or resolve this issue. I am not a lawyer or attorney and neither am i making threats but under 15usc1679g any person who fails to comply with my request as the creditor will be held accountable.
Consumer complaint received 2017-12-22
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: AES/PHEAA (CO)

Consumer Financial Protection Bureau, On XX/XX/XXXX, I mailed a letter including a copy of the correct monthly payment amounts of my AES account reported by XXXX to AES and XXXX and XXXX  requesting that the incomplete reporting of my AES account information be changed to reflect the correct XXXX reporting of my AES account. 

I have not heard back from American Education Services. XXXX  and XXXX mailed me a letter on XX/XX/XXXX that the account information has been verified with AES and updated as needed on my credit report. However, the correct monthly payment amounts are missing and not being reported accurately by XXXX and XXXX, but are being reported correctly on my XXXX credit report. 

My request is that AES reports the same information to XXXX and XXXX it reported to XXXX to give a complete credit reporting of my monthly payments. 

Thank you. 

Concerned Consumer