davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I've had an ongoing problem with getting Equifax not actually completing disputes. This previously happened with a dispute I submitted for inaccurate reporting for XXXX. They said they completed the dispute on XX/XX/2019 ; still showing my account was late ( Account History with Status Codes ) However after speaking with the loan officer they informed me, they hadn't received a dispute in over a year. How is this possible? I had to reach back out to Equifax, initiate another dispute, with the email correspondence from my loan officer. At that time a real investigation was completed, and the inaccurate  information was updated. 

They're doing the same thing again. I initiated a dispute with Equifax because some how, Equifax and XXXX are reporting two different date of last activity on a XXXX account. They're 5 months apart. In addition to my concern for the attempt to re-age this account, the credit reporting agencies have a duty to ensure the information they're reporting is accurate and complete. The XXXX AND the Equifax dispute came back VERIFIED. Please see CFPB complaint XXXX for XXXX complaint in regards to this matter. In order to better understand this matter, I asked Equifax to provide me with the description in which the investigation was conducted. They have not. Instead they opened another dispute and verified it. 

XXXX now supposedly owns the debt for XXXX, I submitted for verification and validation, and instead they closed the account. CFPB complaint ID XXXX. 

I asked Equifax for the meas by which their investigation was completed for 4 accounts : XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX  Account # XXXX In response to my request for a description of the investigation they replied with the account be verified and belonging to me ; this is not what I requested. 

It's not fair or legal under the FCRA for these consumer credit reporting agencies to simply put in a 3 digit code in e-oscar, compare a name, an address, or a social and then say the information is accurate. 

When a consumer says the information is inaccurate, an actual investigation to these complaints needs to take place. If an investigation can not be reasonably completed or the information can not be verified, this information is not allowed on the consumer files.
Consumer complaint received 2019-08-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (IL)

On the date of XX/XX/2019, I made an online purchase at XXXX in the amount of {$280.00}, for a floor rug, using my XXXX store credit card. When the rug arrived at my home, it was the incorrect rug and I immediately returned this rug to the shipping fulfillment center provided by XXXX and requested an immediate credit to my XXXX   card, offered by Comenity Bank. XXXX accepted the return and stated that a full refund would be provided to the card within a few business days. 

I received communication from Comenity bank that they were discontinuing the store card with XXXX and in the process of this severed relationship, XXXX XXXX stated they were no longer able to refund my account and that they would send me a check for the {$280.00}. It is now XXXX and I have made several attempts to resolve this with XXXX   XXXX customer service. On each occasion, I have been advised that I should expect a refund within 7-10 business days. I have several emails from reps for XXXX XXXX, ,XXXX   confirming this, yet I have still not received a refund check. All while continuing to be charged interest on the comenity bank card for this amount
Consumer complaint received 2021-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

My name is XXXX XXXX and I am inquiring about an account thats noted on my XXXX Credit Report. I have called XXXX  to inquire about that account and they gave me your info to contact you. I then contacted your bank and they have no info on the account and what it pertains to. It is critical that I obtain written confirmation saying that account isnt mine or whatnot from you in order to removed it from my credit report. May you please respond back as soon as conveniently possible. My XXXX XXXX husband is getting XXXX soon and its vital that we close on this pending house for our children and I so that he can be at peace while hes XXXX. We have been calling around to find out more about that account thats opened under my name because I have no recollection of ever opening an account with XXXX XXXXXXXX XXXX. Thank you so much for your time.
Consumer complaint received 2019-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NV)

XXXX XXXX XXXX XXXX several mortgage companies ... mine started with XXXX XXXX and was sold within 30 days to Bayview which in turn sold it within 30 days to XXXX XXXX XXXX  ... I made 2 payments 1 ) for {$1500.00} to XXXX on XX/XX/2019 and 2 ) for {$1300.00} on XX/XX/2019. On XX/XX/2019 they sold the acct to Baview with a suspended transfer amount of ( {$1300.00} ) and transferred amount of {$150000.00} bayview says it transferred at origination amount of {$150000.00} then they applied the suspended amount of {$1300.00} which brings the amount to {$150000.00} ... .I noticed the double payment within 7 days and started to get it resolved with both XXXX and Bayview ... it has now been approx 8 weeks, 10 calls, numerous explanations given, some helpful most not and still not resolved ... they made me get the paymentment history ... which XXXX XXXX services both company 's ... then said they could request it ... emailed all proofs on XX/XX/2019 called XX/XX/2019 ... and still not resolved ... I have a letter dated XX/XX/2019 they have sold the mortgage to XXXX XXXX XXXX ... interesting on date of letter and when proofs were sent to them ... in the meantime they are saying to make payments as usual though they will have no penalties for the next 30-60 days
Consumer complaint received 2022-12-02
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. (CA)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The 3 credit Bureaus Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX has failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX-Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXXInquired on XXXX XXXX, XXXXXXXX XXXX-Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX-Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXInquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX-Inquired on XX/XX/XXXX, XXXX XXXX XXXX-Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX-Inquired on XXXX XXXX, XXXX, XXXX-Inquired on XXXX XXXX, XXXX
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, In XX/XX/2022, we were placed on a COVID forbearance plan that expired on XX/XX/2022. In that time, I applied for homeowners assistance fund that was available through the Florida Department Of Economic Opportunity. My application was approved on XX/XX/2022 and they stated they would distribute funds directly to my service provider which is XXXX XXXX to pay the amount due/past due amount on my Mortgage. Unfortunately, there wasn't a timeframe provided on when they would send the funds. It's been over a month. I've been in contact with XXXX to advise them of this, and they stated my account was protected even though my forbearance ended on XX/XX/XXXX. All they said i could do was stay in contact with them once I advised I was waiting on payment assistance and they are aware that the time varies on when the funds are sent. I called last Thursday and spoke with XXXX on the XXXX as i scheduled a payment for XX/XX/XXXX, to inquire if i should make my regular monthly payment now that my Forbearance ended even though i was still waiting on assistance due to me not wanting a late payment on my credit or my house to go into Foreclosure. I was assured it would not, and was advised to not make any payments until the amount due/past due was paid on my Mortgage by the Florida Department Of Economic Opportunity . I was assured this wouldn't negatively impact me, and XXXX even stated they spoke with their supervisor who even cancelled my payment that was scheduled for XX/XX/2022. Now it is XX/XX/2022, and XXXX XXXX and I both had our credit scores hit and they were dropped XXXX points. I am extremely upset, and i attempted to contact XXXX, XXXX today, and every time i contact the main customer service number, i get told due to high call volume, i need to call back at a later time. Well, i tried multiple times throughout the day at different numbers and can not reach anyone. I finally spoke with my lender directly XXXX XXXX XXXX, who transferred me internally to someone in XXXX, who then transferred me to another person. This whole situation is a nightmare, I just want our credit report fixed, and I want our mortgage protected until the funds are paid on the amount thats due/past due that was promised through the Florida Department Of Economic Opportunity XXXX
Consumer complaint received 2019-11-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

My payment was due on XX/XX/XXXX ; however, I looked at and purchased a new vehicle and turned mine into the dealer on XX/XX/XXXX as a trade in. They obtained a 10 day payoff and took possession of my vehicle on XX/XX/XXXX as I picked up my new vehicle this day. The dealer sent my payment by Capital One didnt get it until XX/XX/XXXX. The dealer had neglected to have a paper needed to pay off the loan and contacted me in XXXX. The payment being late was not my fault, I didnt even own or have the vehicle anymore. Capital One reported me late because the dealer got the pay off there on XX/XX/XXXX, two days past 30 days. I called Capital One and tried to explain that I didnt make the payment and didnt even have the car anymore that I gave possession to the dealer back in XXXX. They sent me a letter stating they wouldnt remove the late from my credit. I have not had any derogatory marks on my credit and I am asking for this to be removed with the mixup at the dealer.
Consumer complaint received 2019-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Long & Foster Financial Services, Inc. (GA)

I closed on my new home on XXXX and over XXXX dollars was put in my escrow. I got my tax bill for 2019, which was XXXX. I sent this 2019 property tax bill over to XXXX at Prosperity Mortgage who closed on my loan. I was told by my contact at Prosperity that the bill was paid along with my homeowners insurance. She said the balance in my escrow was {$6900.00} after these items was paid as of XXXX. However, after my mortgage was transferred to the new servicer, XXXX XXXX XXXX, my escrow balance is showing {$1000.00}. I was told my XXXX that prosperity paid another tax bill of {$7100.00} which there is not such bill. The bill was actually XXXX can't get in touch with anyone at Prosperity to let me know what happened to all the money in my escrow.
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (VA)

Santander Continues to furnish negative information to credit file. Requested removal of XXXX over 30 days Ago. Company failed to comply according to FCRA Guidelines.
Consumer complaint received 2022-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Western Management Consultants (IA)

I applied for a XXXX XXXXXXXX on XX/XX/2022 and got denied because they said that I had poor performance on another card with the same creditor but nothing about already having a XXXX XXXX. I then received a email on XX/XX/2022 stating that I was in collections for a XXXX XXXX XXXX XXXX I never took out a XXXX XXXX and I've disputed with the collection agency. This debt is not mine!
Consumer complaint received 2019-11-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Bayview Loan Servicing currently holds my mortgage, I requested a loan modification and they denied it because they claim that I defaulted on a modification in the last 12 months but I have not had a modification in the past 12 month my modification was almost 2 years ago. They only allow me to speak to one dedicated representative who is never available and when I try to schedule an appointment with this person, no appointments are available. I have sent at least 5 email and left at least 5 voicemail to the dedicated representative and have not received any response. I have also requested an appeal of the modification they just rejected and to be placed into a Forbearance and Bayview has not responded to either request. This is starting to feel like predatory lending. I have a lot of equity in my home and I don't want to loose it, I have been making my payments but they are not being applied to my loan, even though they are accepting the money.
Consumer complaint received 2023-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

i opened an account with citi bank online on XX/XX/XXXX and was told the account had to be funded immediately. So i funded the account and it was my last. i tried to XXXX the money to another account of mine but was told i need to have a debit card. how would i have a debit card if i just opened the account same day? so i called to see how i can get the funds out or verify another way. that policy simply makes no sense because if someone just opened an account online how would they have a bank card? i tried to XXXX it a few times and i tried to transfer the funds through wire transfer. now my account is locked and and under review but that makes no sense? why let me open an account with my information and find the account THEN say its under review? anyone couldve used my information and opened this account. i was told a letter will be sent me to in the mail but that is my LAST of my money. i asked numerous times if they may expedite the letter or the card but i wasnt give either option the reps actually hanged up the phone in my face. i am going to close this account and get a class action lawsuit started. i no longer care to bank with citi bank and the money they will be paying out after i am done with them will be bigger than the chump change they think they can keep stealing from people. they have many complaints of them doing the same thing to people.
Consumer complaint received 2022-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (OK)

There is information that is on my consumer report, that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made an error, or is my request to block being made on the basis of a material misrepresentation of a fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I.C. SYSTEM, INC XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you.
Consumer complaint received 2022-09-26
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: CLGF Holdco 1, LLC (CA)

Hello I am a victem of idenity theft. There are a lot of items on my credit I did not use or authorize. I have reached out to credit bureaus and creditors providing them with the police report number and my personsal info. I have gotten zero help.
Consumer complaint received 2022-07-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/17 I attempted to make a wire transfer from my Amex High Yield savings to my external account which had previously been verified. I received a call from someone at Amex wanting to do a 3 way call to verify ( again ) my account and was told that they did not do telephone confirmation. They asked me to fax over documents from my external account... I did ... 4 times and heard nothing back. I kept checking my account to see if it was ok but the account had a block on it from XX/XX/17 which I was never informed of. I filed a complaint with CFPB. I got a response back stating that I was told there was a block which I wasn't ( check the recordings you mention everytime you call ), I was also told I had never sent the required documents which I had... in fact when I spoke with XXXX in Bank Operations he was looking at the fax ... days before the CFPB Amex response. Here we are weeks later and I still do not have the funds and still do not have an answer. I call many times a day and am either told I will be called back which I never get the call, or am told something was wrong with the fax and to re-send then wait 2 days for it to b received then call back. This is ridiculous. This was part of a XXXX and now I look bad because I can not get the funds to pay to help... I need this fixed and I need the funds in the account wired to either of my external accounts ... asap. This situation is not funny and I am having XXXX where it should be XXXX. Now they want an Affidavit of Identity which I have faxed over 5 times and Paid {$25.00} to have it notarized.
Consumer complaint received 2022-07-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (MD)

For more than two weeks, I have requested a copy of my instalment contract regarding the vehicle that was financed by XXXXantandier Consumer USA, but have not received any response even after numerous follow ups. 

I spoke with staff with the following agent IDs and yet, they kept tossing me back and forth. 
ID # XXXX ID # XXXX ID # XXXX
Consumer complaint received 2022-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (LA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
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. (PA)

I am submitting this on my own behalf, no third party is involved. This company, Equifax, has ignored and/or not address properly the 5 correspondences that I have sent them to have a bankruptcy record on my report DELETED. They could not show proof of their investigation and how it was verified, and they also MUST delete it because it had multiple inaccuracies which I proved by showing them the consumer reports from the 3 CRAs. I gave them my written authorization to get this item deleted and they need to comply. 2 of the few violations they have taken while investigating my request are included in the attached invoice.
Consumer complaint received 2021-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

On XX/XX/XXXX I received a notice from the Collection Bureau of the Hudson Valley , INC. to creditor XXXX  # XXXX, CBHV # XXXX dated XX/XX/XXXX, for a baance due {$180.00}. I immediately called XXXX XXXX that this case was closed by XXXX XXXX XXXX XXXX XXXX. on XX/XX/XXXX, his reply was that they do not deal wth other Credit Companies and I have 30 days to dispute the validity of this debt. ) On XX/XX/XXXX, I mailed a disute letter with CFPB Case # XXXX, XXXX  Case # XXXX and a letter from XXXX XXXX that the case is closed. I have not spoken to or received a reply to my dispute. Please see attached ( 4 docoments. ) Thank you, XXXX XXXX