davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-08
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. (MD)

This is XXXX XXXX and I am submitting this CFPB Complaint as a follow up complaint to recent dispute I sent regarding the items reportedon my Credit File. I sent a letter on XX/XX/XXXX requesting to the Credit Bureaus to remove the following fraudulent accounts and inquiries appearing on my Credit FIle that are UNKNOWN to me 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  I have read that according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaints and I am including it again. If the Credit bureaus believe that the disputed items belong to me, I request that they send me copies of documents supporting such claims. In the absence of such documents, immediate deletion of the disputed items are expected.
Consumer complaint received 2020-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

I the consumer pursuant to title 15 U.S. Code 1692a ( 3 ). I requested verification of unverfied debt pursuant to title 15 U.S. Code 1692g ( a ) ( 4 ) and title 15 U.S. Code 1692g ( a ) ( 5 ) and have not received a proper response. DISCOVER has continued to attempt to collect the debt despite failing to adhere to Federal Code.
Consumer complaint received 2020-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OK)

I got a call from a " representative '' who verified who I was and then transferred me to another person, XXXX XXXX. She told me I could pay my loan off at just pennies on the dollar by signing up. She referred to the William D Ford Act for loan forgiveness. She pressed me for access to my Mohela account. I told her I didn't have the information at hand and she gave me a phone number to call her back on, XXXX. I didn't do it but thought you should know.
Consumer complaint received 2020-06-03
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: EQUIFAX, INC. (CA)

I AM VICTIM OF AN IDENTITY THEFT, WHICH MEANS THE ACCOUNTS I AM DISPUTING ARE FRAUDULENT AND NOT MINE. MY PLEA IS THAT THE PERSON READING THIS WILL UNDERSTAND THAT I AM CONSUMER AND I AM VICTIM, I BEG YOU TO PUT YOURSELF IN MY SHOES, SOMEONE STOLE MY INFORMATION, I UNDERSTAND THAT XXXX AND XXXX ( XXXX ) ARE BIG COMPANIES AND I UNDERSTAND THAT I AM A XXXX BEING A WOMAN, BUT I AM BEGGING YOU TO REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. MAYBE MY INFORMATION WAS STOLEN FROM THE EQUIFAX, I DON'T KNOW HOW THE THIEF GOT A HOLD OF MY PERSONAL INFORMATION BUT PLEASE PLEASE REMOVE THESE ACCOUNTS FROM MY EQUIFAX CREDIT REPORT. 

I HAVE NOT RECEIVED AND BENEFIT OR GOODS FROM ANY OF THESE COMPANIES. 

THANK YOU
Consumer complaint received 2023-03-31
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
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 Balance : {$0.00} XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$750.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-09-24
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of america is refusing to reverse/refund a payment amount from my checking account that was from a merchant. 
They do not want to consider facts and circumstances regarding my claim and shut me down claiming that it is outside the timeframe which is not my fault. I travel for work and visit state to state and this merchant deliberately waited me out until I lost trust in their work. 
I have a receipt, address, phone number, call records, texts, video recordings that support my claim but Bank of America does not want to hear or see it at all. 

Here is video of my vehicle malfunctioning after paying the full amount {$1800.00} that Bank of America did not want to review or consider. 

XXXX dropped off vehicle and made electric down payment of {$1000.00} to merchant for transmission rebuild. 

XXXX merchant requested remaining balance of {$800.00} and claimed the transmission was removed from vehicle and completely repaired. Receipt provided and specified a 12 month warranty. 


XXXX transmission malfunctioning, could not perform 40mph, diffculty acceleration, high revving with low speed, high rpm but low speed. Dropped off vehicle ( XXXX ) XXXX XXXX    XXXX XXXX - merchant charged me {$270.00} under warranty for speed sensor and claimed it was fixed and ready. 


XXXX Transmission malfunctioning again. Dropped off vehicle to his shop after this incident on the same day. 
( XXXX ) https : XXXX XXXX to XXXX - vehicle was in merchants care and possession and failed to fix transmission. XXXX multiple attempts were made to contact merchant but he ignored me. Picked up my vehicle the next day. Transmission problems still exist and 3rd opinion provided me written documentation to prove that XXXX. Bank of America has a copy of this as well. 


XXXX merchant issued an electronic apology and excuse XXXX admission of guilt ). Bank of America has a copy of this but did not take it into consideration.
Consumer complaint received 2020-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (GA)

Hello i was contacted by this company a few months ago claiming that we owed XXXX XXXX money I informed them that we had insurance and give them the insurance info today XX/XX/20 they contacted me saying that insurance denied because it was too late to claim I asked the gentleman why didn't XXXX claim on time he said he didn't have anything to do with that and that he was a collection agency I then told him that while we don't owe this I am willing to pay them XXXX to close this matter he refused although I told him that's all I have and I asked for verification of the debt to be mailed to me and allow me my due process we don't owe this debt and completely deny it
Consumer complaint received 2020-09-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: TOYOTA MOTOR CREDIT CORPORATION (WA)

I originally called Toyota Financial Services on XX/XX/XXXX to discuss lease end options since I was not comfortable test driving new cars or visiting showrooms in the prime of the pandemic. I decided on that same phone call to extend my lease for six ( 6 ) months, through XX/XX/XXXX. During the phone call, I asked what actions I would need to take to renew the lease and after telling the representative that all previous payments were made through auto-pay ( I have always had my XXXX accounts on auto-pay ) the representative said there was nothing for me to do other than renew my vehicle tabs. 

Fast forward to XX/XX/XXXX, I received a voicemail from Toyota Financial Services with a request to call them back. Up to this point, I had not received any communication ( email, XXXX customer portal, etc. ) about any concerns with my account. Nor did I ever receive notice that my auto-pay was being or had been removed from my account. The delinquency ( which was XXXX error ) was reported to the credit bureaus before I was given a chance to rectify TOYOTAs error. I never received a letter or email stating my account was over due. Once I was made aware of the issue, I immediately paid the amount in full. The delinquency was reported to the credit bureaus before I was given notice. More concerning is that my auto-pay was cancelled without my knowledge and that the XXXX XXXX Representative advised me that there were no actions to take upon extending my lease by 6 months. 

The lack of communication and inability to now get ahold of the Toyota Financial XXXX XXXX team is unacceptable. Toyota Financial only allows you to speak to a frontline representative about your concerns, they do not allow you to speak directly to someone who can resolve credit reporting issues/discrepancies. You have to mail a letter or send a fax, and then wait for a mailed response. When dealing with an issue as sensitive and critical as your personal credit, this is inexcusable. Toyota Financial Services has taken no accountability for multiple missteps.
Consumer complaint received 2019-06-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

I have sent dozens of request to all 3 credit bureau 's to investigate an account that is reporting inaccurately on my credit report. Each bureau has come back " verified '' and the account is still incorrect across the board. It has been over 30 days since I have submitted my investigation request to each bureau and to the company directly and I have yet to get a response or have the inaccurate information removed from my credit report. They continuously " update '' the account information. 

I have asked each company to " verify '' that the information that they were reporting was 100 % accurate, each came back verified but each bureau is reporting different information regarding the same account. 

The creditor has sent absolutely nothing in regards to verifying that the account is accurate.
Consumer complaint received 2018-12-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STERLING JEWELERS, INC. (NJ)

XXXX XXXX from XXXX XXXX XXXX has been harassing me, my family and friends /acquaintances. I originally spoke with him and told him I paid the debt XX/XX/2018. He continued to call multiple times a day and then began calling my family and friends. I asked him not to call them 3 times and he continued to do so. My family requested he stop calling them and would repeatedly call them anyway. He left a detailed voicemail on my brothers phone about how I am refusing to pay the debt and he will Be reporting me to the credit bureau as refusal to pay. I spoke with him again and told him to stop calling anyone other than me and he has repeatedly been calling. He is very aggressive and wont stop. I have the receipt of the paid account so I know its paid in full. Hes been calling XXXX XXXX, XXXX XXXX, XXXX, and before and after XXXX.
Consumer complaint received 2021-04-26
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (WI)

I contacted Amerisave about refinancing my home. I was given a approval by Loan officer XXXX XXXX Loan Originator NMLS ID # XXXX, PHONE XXXX. He notified me on XX/XX/XXXX that I was approved and they would be refinancing my credit cards in the mortgage so I did not have to worry about my debit to income. He stated that in order to lock my rate in I needed to pay XXXX. Which i did because he told me i was approved. I am now receiving calls from underwriting that there is an issue with my debt to income and need to put more money down. BAIT AND SWITCH. I have also been told if i dont I will not get my deposit back. help me please
Consumer complaint received 2023-03-31
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$2100.00} XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXXXXXX Balance : {$2400.00}
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The accounts must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. XXXX XXXX XXXX Balance : {$2900.00} ; XXXX  XXXX Balance : {$440.00}.
Consumer complaint received 2022-04-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (AL)

Ref : Village Capital and Investment Dear Sir and/or Madam : As you all are very well aware we are in the year XXXX. Can someone in this distinguished group please clarify for me why in the year of XXXX we have some esteemed mortgage companies still doing business as if its XXXX? 

Earlier this year my mortgage company Village Capital and Investments in XXXX, NV updated their web portal. In accordance with privacy concerns there is little to no customer information that shows on the site. When you log in, again there is no history, no current payment or future payment information posted either. As a result, I when I received my social security in XXXX I posted my payment. A couple days later I was not sure that Id posted the payment so believing I had held the payment back, it was posted again. Only then, did it show the payment for XX/XX/XXXX and XX/XX/XXXX as pending. A few days later BOTH payments were processed. I called Village Capital immediately. The customer service people said they could not stop the payment process, leaving me with {$20.00} in my account. My first question is why does a financial institution, knowing a payment is not due until 6 full weeks later process a payment that far in advance of the due date? 

Ive have been on the phone with Village Capital numerous times ( approx. 8 so far ) since this fiasco started. To date, Ive had a different story as to status of this refund. Second question : In this day of computers, electronic transfer etc Why can these dinosaur institutions not required to refund payments within a reasonable amount of time ( i.e., 5 days )? Third : Why am I sitting here almost a full 30 days later and STILL have no refund? I will remind you Im on social security I have no savings to draw from until Village Capital decides to process this refund. Fourth : Why can I not get a straight answer on the status of this refund? I NEED SOMEONE TO HELP ME. This type of inaction should not be allowed. EVER. Finally, XXXX question : Why do they have to mail the refund via XXXX? This will require a 45 minute trip ( one way ) to my bank to deposit. 

I did tell the customer service rep last Friday when we spoke that I was going to recommend them as the WORST in customer service ever. I am stressed, Im broke and need food in my house and gas in my car. Mostly I need someone with some clout TO DO SOMETHING TO HELP ME. 

Why is this allowed? Why do these people have the authority to keep someones money for over 30 days without resolution? Why will they not give clear and concise information on the refund? And why is their website so obtuse that you can not see what has been previously posted so error do not occur?
Consumer complaint received 2020-09-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION ()

As part of my separation agreement/settlement in XX/XX/2017, my ex wife became the owner and responsible of a XXXX XXXX debt, finance, insurance etc. and was supposed to go to Bank of America in XXXX, NC and change the vehicle loan under my name to her name or pay the difference on the auto loan. 

I came to find out this year that she purposely did not refinance the loan to her name and fail to pay numerous times since XXXX as a way to affect my credit that back then was XXXX points, the highest the XXXX XXXX dealership salesman has ever seen. 
as of today is in the XXXX 's! on XXXX. I am abolished by this. 

This is not the only time she has taken advantage of my name and Veteran status as she forged my signature endorsing herself my VA XXXX checks after the separation. 

PLEASE HELP!
Consumer complaint received 2023-05-08
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: Global Lending Services LLC (AR)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for d purpose. 
XXXX XXXX XXXX
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have XXXX XXXX to the credit Bureau to investigate into some items on my report. They have still not sent anything back from XXXX of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2021-12-09
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: Experian Information Solutions Inc. (TX)

I have reached out to XXXX XXXX, XXXX XXXX, and Experian requesting information in which I have yet to receive a response. All are in violation of my rights as a federally protected consumer. I have been taken advantage of due to malpractice while several laws were being broken under the FCRA. This has caused me financial injury, as well as defamation of character. I have not had the ability to attain new employment, apply for credit, nor have I been able to apply for a XXXX loan due to the pandemic. Under this crisis you've hurt my ability to attain credit.
Consumer complaint received 2019-04-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Bass & Associates, P.C., Attorneys at Law (TX)

Filed Complaint Case-XXXX on XX/XX/XXXX with the Omsbudmen. Got an email from XXXX saying Bass & Associates mailed a response XX/XX/XXXX. I waited for it and it was never received. I emailed XXXX to request a copy on XX/XX/XXXX. Emails to Bass are not returned. Phone calls never connect after an hour of holding. They have my contact information and have never contacted me. Even if they did, I would not be able to get through to them. And this complaint was marked as resolved. It is not resolved. It has been 6 months.
Consumer complaint received 2023-03-31
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. (TX)

I submitted a dispute to the Bureau and they responded with I needed to provide information that they have already reported on the report such as - ACCOUNT NAME, ACCOUNT NUMBER, DATE OPENED, BALANCE-which I provided by attaching the dispute letters that I sent to the Bureau which I provided in the letter. This is the second time that they responded with the same EXCUSE! They have violated the FCRA and my consumer rights. This is nothing more than a STALLING TACTICT by the BUREAU.