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

On XXXX XXXX I filed a dispute with Equifax about my credit file and on XXXX XXXX I received a email stating the items was to be deleted but to my surprise they didnt delete them. Under the Fair Reporting Act legally them items must be removed.
Consumer complaint received 2019-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION (CA)

Long story short I had already filed a complaint when they closed my account months ago because of a mistake I made and did not have my payment set to min payments monthly but pay full balance. When they payment was attempted to pay balance of around XXXX in full my bank froze the account and charge. When PenFed finally saw my complaint here after numerous attemptes to plea with support and share what happen was a mistake I was contacted by XXXX at the head of Pen Feds Fraud department to let me know they had made a mistake and were opening up my account.It was about 2 weeks later when I went to log back on and my account was closed again??????? 

I contacted XXXX and explained again what happend. He said the my account was closed because a dispute was sent and I explained I had a fraud alert and credit repair/monitor companies that monitor and request proof of any suspicious items. I told him I did draft a letter stating to the 3 bureaus that Pen Fed charges were accurate and to please report accordingly. He looked over my file and letters and said he saw what I was referring to and I should have access shortly to my accounts. Ether this  was a lie or they changed their mind as I still do not have access and both cards are shut down. 

In good faith I have continued to make payments but have to call in each month to do so and is just super inconvenient and the whole situation is just UNFAIR. I NEVER MADE A LATE PAYMENT AND HAD THE HIGHEST CREDIT POSSIBLE. When I call in now everyone is hush and just says sorry we cant talk about it : (
Consumer complaint received 2019-11-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION (CA)

I received a loan for a new car from my bank Navy federal credit union. ( in which they claim not to have copies of my sale of contract ) My bank has reposed my vehicle when they werent supposed to I had till XX/XX/2019 to make a payment per my bank. They repossessed my vehicle before the date provided to me. They then provided me with a repo account stating I needed to pay passed due amount of XXXX and fees for towing and storage fees. I went to branch to make that payment which went to a repossession account. I was suppose to get word where my vehicle was. Later to find out I had to go to the tow yard and pay the exact fees to tow company. Two month later they lost a payment I made to my loan later to find out it  was applied to another persons loan in which I had no affiliation with. My bank had been stealing money from me for my loan and I dont know where some of these payment I made went. Every time I try to resolve these problems I get the run around and am never able to speak with the department that is supposably responsible. Either the department is closed for the day or they start making up things to confuse me. I began a hardship program starting XX/XX/XXXX was supposed to be on this program for 4 months however they are still pulling funds from my account just to pay the interest on the vehicle and late fees. My vehicle is now a lemon and without the sale contract I am unable to get the vehicle bought back or replaced. The old dealer ship quality XXXX of XXXX got bought out by XXXX XXXX, I am unable to get the document from the new owner. Please help me.
Consumer complaint received 2019-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (AL)

I have filed two disputes with Diversified Consultants/XXXX for reporting false information on my credit report. I have spoken with them after first dispute was turned down. I have emailed them proof debt is not owed and tried to call them again and have been unsuccessful in getting through to them, I filed a second dispute and was turned down a second time in having this removed from my credit after providing proof that the account was paid in full and all equipment returned when it was closed on XX/XX/2018 at XXXX XXXX   at the XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL. 
This should never have been placed on my credit and it is wrong in so many ways how much of my time is having to be used to have this fraudulent claim removed from my credit because it was never owed and was satisfied the day account was closed. However, it was so easy for them to put it on my credit, without so much as a warning to me. I was never even notified that XXXX was claiming a bill because I was never notified by phone or mail of this claim until it was placed on my credit. They have received proof nothing is owed but it is still fraudulently on my credit.
Consumer complaint received 2022-12-02
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: FactorTrust, Inc. (NV)

I HAVE BEEN VERY CLEAR AND PATIENT, I HAVE CALLED XXXX AND XXXX AND THEY HAVE ASKED ME SECURITY QUESTIONS AND VALIDATED MY ID BUT I AM NOT ABLE TO LOG ONTO MY ONLINE ACCOUNT I HAVE ALSO BEEN UNABLE TO GET THE FRAUD STATEMENT REMOVED.. SO I WILL SAY IT AGAIN CLEARLY AND I HAVE ATTACHED MY NOTARIZED LICENSE AND BANK STATEMENT, WHAT OTHER PROOF DO YOU NEED? 

1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. REMOVE LATE PAYMENTS, THOSE ARE BILLING DISCREPANCIES. HOW DID I GO FROM XXXX AND UP ON MY SCORES TO XXXX? SOMEONE IS PLAYING GAMES. 

3 THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS. 

4. UPDATE AND SUPPRESS NEGATIVE INFORMATION 5. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. CLARITY SENT ME A PAPER WITH NO CODE BUT LISTED I NEEDED A CODE TO UNFREEZE. HOW CRAZY IS THAT, IT WILL BE ATTACHED.

6. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS AS IT IS MAKING IT VERY DIFFICULT TO GET THINGS CORRECT. REMOVE IT IMMEDIATELY AND UPDATE MY REPORT. 

I BEG SOMEONE IN CFPB TO INVESTIGATE HOW HARD IT IS TO GET TO YOUR ONLINE ACCOUNT UNLESS YOU ARE PAYING LIKE XXXX... WE HAVE TO PAY TO SEE OUR OWN SO CALLED DATE. I AM SICK OF THIS. 
15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts
Consumer complaint received 2022-07-07
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: Experian Information Solutions Inc. (IA)

I sent a letter off on XX/XX/2022 as well as made a phone call. To remove personal information that i do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is to share my information to third party people. 


These are clear violations of my federally protected consumer rights.
Consumer complaint received 2019-06-24
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: EQUIFAX, INC. (NV)

There are 2 more inquiries on my credit that i did not authorize. XXXX  on XX/XX/2019 and XXXX on XX/XX/2019 and XXXX XX/XX/2019. I contacted XXXX and XXXX  both whom could not find any credit applications and told me to dispute with credit bureau. XXXX stated they dont have a department for mr to talk to regarding this inquiry. XXXX stated they dont see any applications for me on that day and they dont know where or why it is on my credit. These inquiries are bringing my score down and need to be removed immediately.
Consumer complaint received 2019-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AZ)

The Carrington mortgage servicing department, has created this problem. The first item which happened was the company placed me on the certified funds only payment plan. It takes two returned items to be placed on this list. The first time was substantiated to be a bank error approximately XX/XX/19, yet Carrington mortgage servicing choose to apply this to my record. Then I was told not to make a payment during a refinance process on my fha loan. So I set up a promise to pay on both of my loans approximately XX/XX/19 to figure out what was needed on my accounts, and there were not instructions to stop the direct payment when doing this process, at least in an area readily seen when doing this process. This process resulted in a 30 day late notation on my credit. So Carrington mortgage servicing department told me I need to western union my payments, this was an immediate posting process according to Carrington, and for a couple of payments it was. So with their actions another payment needed to be made due to error in the reporting process at Carrington mortgage, I had to make another payment via western union ( which I shouldnt be doing anyway ) which was made on XX/XX/19 and Carrington is  posting on XX/XX/19, resulting in another 30 day infraction. This being said I attempted to resolve these issues with Carrington mortgage servicing department with extreme resistance on every level the errors were made. Carringtons actions have resulted in extreme issues further damaging my credit.
Consumer complaint received 2019-11-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AZ)

The Carrington mortgage servicing department, has created this problem. The first item which happened was the company placed me on the certified funds only payment plan. It takes two returned items to be placed on this list. The first time was substantiated to be a bank error approximately XX/XX/19, yet Carrington mortgage servicing choose to apply this to my record. Then I was told not to make a payment during a refinance process. So I set up a promise to pay on XX/XX/19, and there were not instructions to stop the direct payment when doing this process, at least in an area readily seen when doing this process. This process resulted in a 30 day late notation on my credit. So Carrington mortgage servicing department told me I need to western union my payments, this was an immediate posting process according to Carrington, and for a few payments it was. So with their actions another payment needed to be made due to another error in the refi process at Carrington mortgage, I had to make another payment via western union ( which I shouldnt be doing anyway ) which was made on XX/XX/19 and Carrington is posting on XX/XX/19, resulting in another 30 day infraction. This being said I attempted to resolve these issues with Carrington mortgage servicing department with extreme resistance on every level the errors were made. Carringtons actions have resulted in extreme issues further damaging my credit.
Consumer complaint received 2022-06-16
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: CLGF Holdco 1, LLC (MD)

Someone opened a card with milestone credit card with all my info. I am currently in XXXX and I'm not aloud to open any new accounts ' as set by the courts. plus this card was open XXXX of this year. I have no idea who and how this was done to me. please help. 
Tank you, XXXX XXXX
Consumer complaint received 2021-04-15
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: EQUIFAX, INC. (AZ)

equifax has my date of birth wrong. 
Your last response was to tell me to call or " log in. '' with the equifax solution. Please understand that if your date of birth is wrong you can NEVER GET PAST THE VERIFICATION STEP. Even after I send in ( 4 times- XXXX via certified mail ) ) copies of all proof of data, equirfax will not fix.
Consumer complaint received 2019-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (GA)

I was promised a 2 % cash rebate on all purchases. On XX/XX/2019 I requested {$640.00} in cash rebates I had earned on purchases. I have never received the cash and the bank, Synchronity of Utah has done NOTHING to make good on the agreement.
Consumer complaint received 2023-09-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (SC)

I have never live at this apartment complex. Someone has been using my identity with apartment complex as well as medical billings. 
I did contact the property they referred me only to the collection agency. I spoke with collection agency and they could not provide me with the information also asked to send me proof of debt and identity theft information not received. however, the collection agency did inform me to submit the identity theft and to report back to them.
Consumer complaint received 2022-07-07
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. (OH)

The credit bureaus stated my account was properly investigated but how is that possible if the date last active is inaccurate, date last reported is inaccurate, and also the payment status are as well. This grounds for removal, they also violated my rights under 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-09-26
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 (CO)

I noticed a couple months ago that there is a {$6000.00} charge to my card and I haven't used this card in years. I have reached out several times and they keep giving me the run-around. They did say it was their mistake, but NOTHING has been resolved. This is not the first issue I have had with this company. My credit has gone down because of this charge and the late fees and 'missed payments ' that go along with this mess. Barclays is the worst company I have even had to deal with.
Consumer complaint received 2019-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I just keep trying and trying to get Bank of America to work with me and lower my monthly payments. They refuse to work with me or state they can not lower the payment. My family is going through something traumatic. I get the same call from a guy named XXXX when I do complain. But I never call back due to the fact of what my family is going through, Im in hospitals all the time and cant talk. I just want a letter of what the heck they will do to help me.
Consumer complaint received 2022-07-07
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: CITIBANK, N.A. (NC)

These account are fraudulent inquiries XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Citibank XX/XX/XXXX CBNA XX/XX/XXXX XXXX XXXX XX/XX/XXXX CBNA XX/XX/XXXX
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

While checking my credit report, I notice an account from XXXX XXXX  that I believe is not being reported correctly on my credit report. On XXXX XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. They finally respond back to me XX/XX/XXXX, see attached, informing me that they will contact me with the result of their investigation once it is completed. It is now XX/XX/XXXX and I have not received their result and they are still reporting negatively on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXX XXXX is reporting. So far, I have not gotten a response from them. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

Someone who probably has my information Applied to get credit card causing inquiries on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-22
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: Experian Information Solutions Inc. (NC)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.