davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MI)

I have filed a complaint with all credit bureaus regarding XXXX XXXX including the cfpb. I have requested documentation stating that the XXXX account was actually charged off and that proper Fair Credit Reporting rules were followed and I can not receive that information from the credit bureaus or XXXX. XXXX did not provide any of this information to the credit bureaus as well. I have had no way to dispute the statements made by XXXX through any of the credit bureaus and I am just supposed to take the information given as is with no recourse. XXXX also has evidence including verbal confirmation that is on a recorded line that they took for payments and put it at the end of my loan. Why would they put my loan in charge off status when I am still paying it? Why would they be allowed it to not have to notified me of charged-off debt is or provide me any documentation I requested regarding it? They provided none of this information to any of the credit bureaus and I have disputed this multiple times with the credit bureaus we have not thoroughly investigated these things or allowed me to dispute them. The CFPB has done a poor job at holding people accountable just as the credit bureaus have also done a poor job at holding people accountable. XXXX XXXX needs to provide information I'm asking for and I have repeatedly asked for over the last two years. It needs to happen immediately. I want the four payments that were put at the end of the loan I'm very specific dates documented to all agencies. I want all documented evidence of letters sent to me that they followed fair credit reporting practices and notified me in writing by providing me copies of the letters. I have requested all of this information multiple times in writing and verbally and it is all documented. They illegally charged off my account. They are not following Fair Credit Reporting. Something needs to be done. I will keep filing complaints and pay nothing until I get what is required dent to me by law and issues corrected.
Consumer complaint received 2022-01-26
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. (MA)

Hi Equifax, XXXX, XXXX, & CFPB ; I'm a little surprised and shocked that both XXXX XXXXXXXX and XXXX XXXX XXXX are still reporting inaccurate, and incomplete information on my credit report, but yet, your agency mentioned on previous dispute results that the dispute has been resolved. How can it be resolved if it continues to report the same previous negative, incomplete, inaccurate, and unverifiable information? For example, still continue to report different dates of DOLA, DLP, DLR, questionable balance, and inconsistent payment history and payment status. Delete for still multiple inaccuracies. It's my understanding from reading the recent articles from the Cfpb website that each of the credit bureaus, Equifax, XXXX, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. What was the method of your investigation from my previous disputes? Who did you talk to? How can you truthfully say that it was verified if all those items are still reporting with multiple inaccuracies and incomplete.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

A judgment was mistakenly placed on my credit report. I have been disputing this with the credit bureaus since it appeared on my reports. I have even filed complaints with XXXX, FTC with no resolution. My attorney has even reached out to resolve this matter to no avail.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (FL)

I requested copies of my reports and this company NCB MANAGEMENT SERVICES has been reporting as collections. I do not have a debt with this company, I have never contracted with this company, nor has this debt been validated. I have filed an identity theft report which is attached. NCB MANAGEMENT SERVICES has no permissible purpose and is causing damages to me and my family as I am not able to get a credit extension due to the negative information the y are reporting.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (PA)

I requested a dispute that there was duplicative and incorrect information that was contained in my report. In doing so I send a long list stating that some of the addresses did not include unit numbers for my address and the inclusion of seven copies of the same address is confusing. They sent a response and stated that they reached out to the furnished and confirmed the reported information but did not detail how my dispute went rather just stated their general process which is not helpful in my case.
Consumer complaint received 2022-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The item I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. I've tried disputing this account several times in the past but they keep saying it's been verified which I'm not sure how this is happening.
Consumer complaint received 2021-09-24
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. (NC)

EQUIFAX pulled my report without my written consent pursuant to 15 USC 1681b ( 2 ). When I did provide EQUIFAX with my written consent, they did not follow my instructions. I was given a hard time as well as severe damages to my consumer report. After going back and forth with EQUIFAX, for awhile, some inquiries and accounts were deleted. A deletion is admission. Inaccurate information shouldnt have been on my consumer report in the first place. I did not give my consent for any of it to be there. Thats a violation. I am seeking monetary relief Pursuant to 15 USC 1681n. ( a ) Any person who willfully fails to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. I am attaching an invoice to be compensated for the violations.
Consumer complaint received 2018-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Hello someone wrote a check to me for a job that I got and I guess the check I deposited the account was closed. I went to get my XXXX dollars out for car repair this morning and it would not let me. They closed my account because of a check that someone else sent me. It was bank of america
Consumer complaint received 2022-01-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CO)

Mortgage servicing company adjusted my monthly payment. This was based on changes to my escrow, but their analysis was wildly inaccurate, indicating amounts not associated with my loan. I called them three times to have them re-run the analysis, to ensure that my payments would be accurately addressed. ( I was concerned, because they showed I would be paying LESS escrow, despite the fact that my taxes and insurance had gone up a little bit. ) On the second call, they indicated that they would conduct another analysis. As my payment date approached, I was concerned that my payment amount had not adjusted online ( on their website ), and that no new analysis forms were added to my account. I called them a third time, at which point they indicated that they would not run another analysis, despite the inaccurate analysis previously run. At this point, I am looking to see if someone else can service my mortgage and reaching out to CFPB, to ensure that I can accurately understand my mortgage payments.
Consumer complaint received 2019-10-07
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Acceptance Rentals, Inc. (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ACCEPTANCE RENTALS, has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (SC)

Ref : Mortgage Loan # -ending in XXXX Wells Fargo stated I canceled my online mortgage payments online on XXXX XXXX. Aside from the fact, that this did not happen, I was completely blindsided by this revelation. 

I never received any notification that such action had occurred on XX/XX/21, nor would I have taken such action. In fact, the first XXXX hearing of this is in a complaint my wife filed with the CFPB. 

I only access the mortgage account when instructed by my wife. The last time I accessed that account was XXXX XXXX when she instructed me to pay the mortgage via a transfer until the matter regarding the deleted auto-payment has been resolved. 

I have a business account with Wells Fargo and monitor my checking account daily. It would appear that because XXXX XXXX told the bank she did not access her account on the date in question and has the browsing history to prove it, a crazy, very unprofessional and asinine decision was made to place the blame on me. 

I did not delete the auto-payments.
Consumer complaint received 2022-01-26
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. (NY)

Hello I am having an issue with XXXX XXXX and Experian. Please note that I have three accounts reporting as negative on my credit report one XXXX XXXXXXXX is reporting as an installment and it is not an installment account please remove this from my credit report immediately. The next two which is XXXX and XXXX XXXX is in clear violation of 15usc 1681e-d. Time and time again I have sent numerous letters and these accounts will blatantly ignore me. The first time they did not notate the account I have been sending letters since XXXX of 2021 they just notated the account about a month ago which is a clear violation of the Fair Credit reporting Act. I ask that these two accounts be removed from my credit report immediately. I will also be filing a complaint with the FTC because this is being ignored with numerous attempts to resolve. The companies have also failed to provide the authorized agreements creating the debt which is required to collect on a debt 15usc 1692f. Therefore if there was no agreement in place between myself and XXXX or XXXX funding. That means I have no contractual agreement to pay then an alleged debt.
Consumer complaint received 2022-01-26
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. (NY)

Hello I am having an issue with XXXX TransUnion and XXXX. Please note that I have three accounts reporting as negative on my credit report one XXXX XXXXXXXX is reporting as an installment and it is not an installment account please remove this from my credit report immediately. The next two which is XXXX and XXXX funding is in clear violation of 15usc 1681e-d. Time and time again I have sent numerous letters and these accounts will blatantly ignore me. The first time they did not notate the account I have been sending letters since XXXX of 2021 they just notated the account about a month ago which is a clear violation of the Fair Credit reporting Act. I ask that these two accounts be removed from my credit report immediately. I will also be filing a complaint with the FTC because this is being ignored with numerous attempts to resolve. The companies have also failed to provide the authorized agreements creating the debt which is required to collect on a debt 15usc 1692f. Therefore if there was no agreement in place between myself and XXXX or XXXX funding. That means I have no contractual agreement to pay then an alleged debt.
Consumer complaint received 2021-09-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (FL)

TD bank has decided to close my accounts the stated they mailed me a letter letting me know that the accounts would be closed, I check my mail everyday and never received a letter, they actually allowed me to open a new account a few days ago and made no mention of the existing accounts being closed, they now have all of my accounts restricted including the new one and are holding my money. I call customer service and they tell me to go to a branch I go to a branch and the branch says they cant call the back office to get resolution and have the accounts released or funds withdrawn for me. This is creating a huge issue and the lack of customer service is unacceptable.
Consumer complaint received 2021-03-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Experian Information Solutions Inc. (FL)

I took out a loan with this organization. I set up a ledger with them to pay online. I set up an early pay-off plan which should deal with my full balance and encouraged them to process the payments online. I was guaranteed they would do that. I didn't have the sum settled after debited from my card so after signing into their online entry I see that they have recorded for a different card I initially joined with. They endeavored to disclose to me that it was only the name of the bank that was changed, not the record number. In any case, they charged me various expenses corresponding to some late fees that they will not discount, have announced it as late 30 days on my credit report making my score drop. I likewise track down that changing my data is a gross infringement of my monetary data and they would not assume any liability for this and appeared as though they were attempting to cover it up that they didn't include the right installment data after various client support solicitations and they were attempting to gather installment by whatever method with a record that was not in the loan application. Since XXXX has an option that in the event that you pay before 90 days, you pay the specific amount of the credit you apply for, At that point, I did the payout over their mechanized assistance. Since the installment didn't go through they charge me twofold of the sum concurred and are reporting erroneously
Consumer complaint received 2022-01-26
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. (GA)

I was trying to get this off my credit since the Balance Is XXXX, I Am Having Problems Getting The Paperwork, To Prove That My Balance Is XXXX, Because I Am Trying To Get This Account Off My Credit.
Consumer complaint received 2021-09-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

My name is XXXX XXXX XXXX. I have a Kohls credit card. Have spent thousands before. Im XXXX a XXXX  soon. I decided to pay off debt. On XX/XX/XXXX I made a payment of XXXX to pay off my credit card. I didnt realize my bank would probably not let this payment through as a fraud prevention the amount was to large. I did not receive a confirmation email either. So I assumed it did not go through. So I made two more payments to break the large payment up. Those two payments were XXXX $ and XXXX . All three of these payments processed! I immediately contacted kohls customer support on XX/XX/XXXX. Requesting the XXXX be refunded to me in order to pay my personal bills. I explained it was a mistake. They told me it would take 7-10 business days for a check to arrive. They told me they could not electronically give it back! I patiently waited. The third week of XXXX I had called again with my husband. I called again. This agent told me it would be up to 14 business days. Still no check. I called again.This agent told me it would be up to 14 business days from the date of processed. They claimed it processed on XX/XX/XXXX. Might I add is a Sunday. How they have until XX/XX/XXXX to get me my check. I called again on XX/XX/XXXX to check on this again. This agent said they have until XX/XX/XXXX to get me my check. I demanded a supervisor. They kept telling me their supervisor is in a meeting. I said Ill wait and demanded to speak with one immediately. At this point after all the phone calls Ive spent at least 5 hours on the phone with customer service in a month. After waiting 50 minutes I got a supervisor. He swore to me my check would be here by XX/XX/XXXX. It is now XX/XX/XXXX I still have no check. This is almost a XXXX  of money and two months almost has gone by. Please help me! Here is my cell XXXX. I am XXXX XXXX XXXX  and this process has been extremely hard on me!
Consumer complaint received 2022-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my ANOTHER 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 items 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 XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-11-30
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. (IL)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2021-09-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: World Omni Financial Corp. (FL)

On XX/XX/2021 I sold my XXXX XXXX  XXXX truck to " XXXX ''. I received a letter dated XX/XX/2021 in the mail from XXXX stating my loan is delinquent and now I owe late charges. Since I work at XXXXXXXX XXXX  I brought this to the attention of my boss and explained the situation. He reached out to XXXX XXXX  and explained the situation and called XXXX XXXX XXXX XXXX to ask why the payoff was not sent on this account? We were told it was missed and was an error on their part and would be sent immediately and a letter will be provided to me showing this was an error on their part to clear my credit. I have not received the letter as of today ; however, did reach out to them again to get it.

XXXX said that they can provide me with a letter from the title and accounting department if needed to help assist.

Now my credit which I have been working so hard to get perfect in order to buy my first home is ruined. Please help I was on my way to almost an 800 beacon score when this happened, now I tried to get credit with XXXX and can't even get that now! : (