davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AL)

I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.
Consumer complaint received 2022-03-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XXXX XXXX 2022 Portfolio Recover called my XXXX XXXX XXXX sisters phone twice while she was in school. I called back to inform them that it was a number belonging to a minor and that they need to put her number on a do not call list. The representative was very rude and uncooperative and tried to get my information instead of apologize and correct the issue. They also frequently called from fake numbers.
Consumer complaint received 2018-05-11
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Benjamin Chaise & Associates (CA)

I don't recognize this debt. I had received multiple phone calls and letters last year from Benjamin Chaise & Associates regarding this file. I sent recommended CFPB letter to this debt collector in XXXX XXXX, California on XX/XX/XXXX asking for more information via certified USPS mail which was received XX/XX/XXXX at XXXX. Specifically requested NO more phone calls only contact via certified mail. No contact since then. Just received a call and voicemail now from a number with NO CALLER ID the person identifying themselves as XXXX XXXX from Benjamin Chaise and Associates. I have recorded it and attached below. Not very happy about this I am seriously considering retaining a lawyer for legal counsel and suing them for harassment.
Consumer complaint received 2015-08-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (WA)

I filed a dispute with Equifax and on XXXX XXXX they removed the item from my credit report. Then on XXXX XXXX it was put back on my credit report without notice. I did not receive any notice as of today even that they were going to reinsert the item. I have contacted an attorney in XXXX and he sent them a removal letter and a notice to sue and they still have not removed it. I have talked to many people and Equifax does take things off and then reinsert but NEVER SEND OUT THE LETTER STATING THEY ARE REINSERTING. They have 5 days to send me a letter of reinsertion and they have failed to follow that law 1681 a 5 a of the FCRA 611 a 5 b. I want the item that was removed on XXXX XXXX 2015 and put back on XXXX XXXX 2015 removed back off.And they also had the incorrect name of company, and had XXXX files for me. I had what they call a split file.
Consumer complaint received 2018-04-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

On XX/XX/2018 I went to a Toyota dealer to purchase a used car with a low APR. The entire negotiations over price included me requesting a low APR. The dealer and I agreed on a price and before the dealer would allow me to read the contract I was required to pay {$4000.00} deposit. I used my credit card, and the {$4000.00} was charged, then the time was spent switching the plates and registration from my old vehicle and then securing insurance. Finally after hours of negotiating, paying, transferring plates, etc. the dealer finally printed out the Retail Installment contract. I did note that the interest rate was 7.14 % instead of a low APR and I immediately protested. The dealers said that my credit was not worthy enough for the lower APR and that it was too late, I had already paid the {$4000.00} and there was nothing that I could do. There is no reason that I should not have qualified for the advertised lower APR. I should have been told the interest rate was going to be 7.14 % before they took {$4000.00} from me. I felt scammed and angry.
Consumer complaint received 2021-11-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Applied for a HELOC with Bank Of America on or before XX/XX/XXXX. My credit was pulled and impacted on XX/XX/XXXX. I was called by a BOA rep to discuss my application the week of XX/XX/XXXX and was told I would receive a call back to order a valuation within a few days. No one ever called so I called back and again was told someone would be reaching out to me shortly. I waited a few days and went into the XXXX branch as was told no one there could help me and that I had to call the HELOC line. I then called back again and for the 1st time, was told that it would take 11 weeks to have my application reviewed. I went back to the XXXX branch to speak with a manager ( XXXX XXXX ) who said he would have to call me back after researching. He called me today to explain that due to staffing, the wait time is 11 weeks. 1. They pulled my credit prior to explaining the timelines and this had adverse impact to my score as well as taking away an opportunity to go elsewhere with my credit request. 2. From the attachment provided from my BOA application website, it shows ( And always has shown ) that only one item is needed for a credit decision. A reasonable person could assume that, based on my preferred status/relationship with the bank, the amount of money I have in deposit accounts with the bank and my excellent credit score, the information on the website is true and we are only waiting on a valuation that they have yet to order. If so, they will be in violation of my ECOA rights because I will not have a credit decision with- in 30days from application. This has been a horrible customer experience and I feel I was trapped into completing an application with Bank of America. I do not want multiple inquires on my credit and would have not completed an application with Bank Of America if they would have proactively informed me of their 11 week turn around time to just get a representative assigned. I have tried to work with Bank Of America on a resolution but it seems like they care more about tracking the complaint rather than assisting with a resolution. I was called back just to be provided with BOA Complaint intake case # XXXX, but with no further assistance as again, someone else will need to call me back.
Consumer complaint received 2016-09-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (FL)

I have disputed account with Equifax by phone, online, and by mail. I have reached out to collection company and sent prove that original account doesnt match according to debt validation sent from XXXX XXXX and statement from XXXX XXXX XXXX. This item has been removed from other XXXX and XXXX.I have already disputed this item on many occasions and this is final attempt to get resolved and because of its negative nature, my next course of action will be filing suit for damages per state statute will allow.
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

I had a mortgage with XXXX XXXX XXXX and filed bankruptcy XX/XX/XXXX and wanted to reaffirm my mortgage. They refused to sign the reaffirmation agreement after asking for an extension for them to sign the papers. A filed the papers with the court and was given a deficiency filing status under chapter XXXX and it was denied under chapter XXXX  prior to converting. 

The mortgage showed as closed on my credit report and I was advised through legal assistance that I was no longer responsible for the loan. I attempted to get them to work with me but they refused demanding all the money, they transferred my loan to Pennymac Loan Services sometime in XX/XX/XXXX and they initially did not want to work with me either. 

I was able to supplement income and applied for a trial modification that was eventually approved and it became final in XX/XX/XXXX. 2 weeks ago I check my credit report and see that XXXX XXXX XXXX is still listed as closed on one credit report and has been removed from the other report. Pennymac is now being listed as open mortgage account with current payments and 8 missed payments, after showing being closed.
Consumer complaint received 2018-04-20
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: Resurgent Capital Services L.P. (AR)

It's been since XX/XX/2018 since I've filed a dispute still no response ... account has been charged off and closed this other company bought it out its in collection as opened
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (LA)

I 've disputed with all XXXX major reporting credit bureaus ( Equifax, XXXX, XXXX ) .I 've submitted XXXX different disputes regarding unverified accounts via cretified mail. There responce is verified without back-up documents. This issue is drastically affecting my ability to re-finance my properties! I feel as if I 've reached a road block. I greatly appreciate your assistance in this delicate matter.
Consumer complaint received 2016-06-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (WA)

Summary : I am demanding that Equifax remove XXXX account XXXX from my credit report. Instead Equifax is ignoring the will of the court and placing undue burden on me by demanding I have a lawyer contact them in writing demanding removal of the account. 

Details : Equifax is publishing a XXXX Revolving Line of Credit account ( ending in XXXX ) that XXXX Count District Court ruled on XXXX XXXX 2016 was not my responsibility. In addition I was awarded {$5000.00} in consequential damages for the continued reporting of that account by XXXX XXXX ( reference attached XXXX County District Court case number XXXX ). Equifax was received proper notice of the case in XX/XX/XXXX and proper notice of the court findings and judgment on XXXX XXXX. Equifax acknowledged receipt of the findings and judgment on XXXX XXXX. I talked to an Equifax representative on XXXX XXXX. Despite proper legal notification of the court finding that I am not responsible for this account Equifax has refused to remove the account from my credit report. Instead, I was told I would need to have an attorney contact them in writing to have the account removed. It is my understanding that consumer credit bureaus are obligated to abide b court rulings once they have received proper notice. I am filing this complaint because I believe Equifax is attempting to improperly avoid it 's legal obligations by placing an arbitrary, undue and expensive notification / escalation burden on me that I am not legally required to fulfill.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 2022-03-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FCC Finance, LLC (GA)

I had an account with XXXX XXXX which I paid faithfully. When I was preparing to move, I reached out to XXXX to give them my new address. By that time, they had gone out of business, so I could not contact them. A company named FCC Finance shows up on my credit report a few years later and claims that they have the XXXX XXXX debt. They never sent the information to my address. 

I have requested validation, as permitted by law, such as amount owed, last payment received, when the debt was supposedly transferred. I do not owe a debt to this company. I sent them a letter asking them to verify the debt. They DO NOT EVEN READ THE LETTERS! They just send back a letter saying it's verified. There's no way it can be verified because the original company is out of business. They are reporting me as120+ days late for more than two years! This is wrecking my credit score. All of my other accounts are current and this is affecting my ability to get a mortgage and I have been denied for credit several times recently. 

I sent them a certified letter requesting the validation. I waited 60 days to hear back and got no response. At this point, the debt should have been removed from my credit profile. About 75 days later, they responded with the same standard letter saying the debt was valid. They are not adhering to the law and it is having an adverse effect on my personal credit profile. 

I need to see when they supposedly took over, how much I owed at that point, how payments were applied to my balance. The information they are reporting has to be incorrect because it can not be verified. I am suffering irreparable harm from this inaccurate reporting. I have reach out to them several times and it seems like they ignore my request and just send the standard form letter verifying the debt. 

Also, XXXX has not been any help. I tried to get their assistance and they sent back a form letter saying they didn't know " the nature of my request or that my request was illegible. '' This is because they use a computer to review the information. The letter was typed and we certainly legible. I need a human to read the letter to see the nature of what I am requesting and remove the negative information. 

I implore you to advocate on my behalf to get the negative information removed from my profile so I can move on with my life. I have a history of good paying accounts and I am trying to launch a business during an uncertain economy. I need to have my personal credit in good shape and this unfortunate discrepancy is making that very difficult.
Consumer complaint received 2020-06-05
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. (GA)

I went to buy a jet  ski  for my daughter for the summer, but in order to get it financed my credit had to get pulled. I found a fraudulent bankruptcy and couple of inquiries that are not mine. Please remove these things from my report. ChapterXXXXBankruptcyDismissedXXXX
Consumer complaint received 2022-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been requesting the credit bureaus XXXX, XXXX and Transunion to remove outdated accounts from my credit report for now 6 months. This is causing major problems with my credit scores as these accounts are now outdated and outside of the Statue of Limitations for the State of Georgia. I have sent several letters and copies of my credit reports to the bureaus to prove this matter and even sent these request to the collectors directly. Some have been deleted as requested but a few are still reporting with no response as to why these have not been address since they are clearly outdated. There are also several inquries in which I honestly do not recall authorization my reort to be pulled and have requested for these to be validated and removed. No response or action has been taken on any of these requests. 
At this point, I don't know what else I can do to have this corrected on my reports. I read online that I can submit a complaint here as I simply have no other options. Please help me with this matter as this is causing me issues with my employer and future purchasing options. 
I thank you in advance for your assistance and response.
Consumer complaint received 2022-03-04
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Siggi LLC (NC)

In the Matter of CFPB v. Omni Financial of Nevada XXXX Inc., also doing business as Omni Financial and Omni Military Loans File No. XXXX Dear CFPB, I am sending you this letter/email to see if I qualified for the lawsuit that was filed against Omni Financial. I have gotten multiple loans from them between the years of XXXX and XXXX. My customer number for them is XXXX. If I was eligible for the refund the address is incorrect. I was XXXX and had to change addresses. My old address was XXXX XXXX XXXX XXXX XXXX nc XXXX. My new address is XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX. If the check was sent to the previous address I can not obtain the check. My name is XXXX XXXX XXXX. XXXX In the United States XXXX.
Consumer complaint received 2022-07-23
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP (OR)

XX/XX/2022. 

.01 added to savings account. 

XX/XX/2022 XXXX added to savings account. 

Descriptions says credit interest. Checked with the bank. I thought they were subtracted but they were added. Teller did not seem to think that it was due to XXXX. 

Concerned that untraceable additions to my account imply access to cause losses, assess charge off. Right now, I don't have any credit open, and I'm paying student loans according to the payment plan selected.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDEN 1 CREDIT UNION, THE (CA)

XX/XX/2022, I made a payment to XXXX XXXX Tax, and the payment was rejected by Golden 1 credit union I had over {$4300.00}, in the bank which is why I was making the payment. Well, the bank rejected the payment and I received a notice days later from XXXX XXXX XXXX Collector. I contacted Golden 1 credit union and they told me that it should have cleared but don't worry the Tax Collector will put the payment through again. A got a letter in the mail that said I now owe an additional {$53.00} for the return payment. So I call Golden 1 and did as instructed and I am still frightening them today. I am out of my {$2100.00} and {$53.00} fee due to XXXX XXXX XXXX Collector. 

What I want : The Golden 1 currently owe me a {$53.00} fee for the return payment and {$2100.00} for the tax payment sent to XXXX XXXX XXXX. Golden 1 currently has my {$2100.00}.
Consumer complaint received 2020-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates (TX)

Hello, I am XXXX XXXX. After serving in the military for 7 years, I am ready to finally buy a home. I am working with a veteran  organization here in Texas to improve my credit score so that I can be my best when getting approved for a home loan. I am running into a problem with the company LJRoss/XXXX. The company is on all three of my credit reports showing a XXXX balance. This entry has been on my report for over 9 years. 

I have called and spoke to several people and even waited a month for them to take action. The entry still remails on my reports. Can someone help get this removed and or tell me how I can get through to them to have it removed, it would be greatly appreciated. 

If you would like to contact me, my e-mail address is XXXX Thank you for taking the time to look into this matter.
Consumer complaint received 2022-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (MA)

My name is XXXX XXXX. Me and my husband, XXXX XXXX, are co-borrowers on a mortgage which secures our house located at XXXX XXXX XXXX in XXXX, MA. 

In XXXX, XXXX XXXX acquired my home mortgage loan and sent me a bill for {$1100.00} for " forced-place insurance '' which they included in the escrow portion of my monthly mortgage payment even though I was already paying a homeowners insurance company a monthly premium. I sent a copy of my insurance policy to XXXX to show them that I was already paying my insurance premiums. Despite having received my homeowners insurance policy, XXXX continued to charge me anyway for the next three years, from XXXX, by including the lender-placed insurance into my the escrow portion of my mortgage payment. I was ultimately charged {$3500.00} over the period from XXXX to XXXX. 

In XXXX, by mortgage loan was transferred from XXXX to SN Corporation. Like XXXX, XXXX XXXX also sent me a bill for {$1200.00} for " XXXX XXXX '' which they included in the escrow portion of my monthly mortgage payment even though I was already paying a homeowners insurance company a monthly premium. I sent a copy of my insurance policy to XXXX XXXX to show them that I was already paying my insurance premiums. Despite having received my homeowners insurance policy, XXXX XXXX continued to charge me anyway for the next three years, from XXXX, by including the lender-placed insurance into my the escrow portion of my mortgage payment. I was ultimately charged {$2500.00} over the period from XXXX to XXXX. In addition to imposing lender-placed insurance on me, XXXX XXXX also failed to pay my property taxes in XXXX, leaving me vulnerable to foreclosure by the XXXX XXXX  XXXX. On XX/XX/XXXX, I received a Notice of Non-Payment of Property Taxes from the City even though it is not my responsibility to pay the city. It is XXXX 's responsibility to pay the municipal property taxes because they include this in my mortgage payment.