davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-07
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-09
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. (CA)

Between XX/XX/2018 and XXXX XXXX XXXX XXXX XXXX placed a collection on my credit report for {$310.00}. I have had no correspondents or communication with this company. Nothing was sent to me in the mail to dispute or confirm/verify that this account is mine. I have never did business with this company. THIS ACCOUNT IS NOT MINES.
Consumer complaint received 2020-07-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (SC)

Vehicle was deemed a Lemon under NJ statutes, I was told I did not have to pay for the vehicle while under attorney protection. Ally continued to call & harass myself and my father, while attempting to repossess the vehicle. 
Ultimately, the vehicle was totaled in a crash. Now, trying to get in touch with someone at Ally has been an absolute joke. HOURS wasted on the phone, on hold, the wrong people transferring calls, payments misdirected, absolutely abysmal. 
The astronomical amount of XXXX  and laziness shown by these people have prevented me from closing on a house. Because I need this matter to be cleared, myself, my father, and my insurance company have been trying non-stop to get someone with half a brain to get moving on this. 
There have been MAJOR issues with Ally and the handling of this. Their Total loss department was contacted by my insurance company on XX/XX/2020 to initiate the loss. It wasn't until two weeks later my insurance company called them to find the status and they didn't even begin the process!! The Gap insurance company has NOTHING from Ally and I had to open the claim myself ( which is Ally 's responsibility ) just to find out Ally has done NOTHING as well for the Gap payoff amount. 
My father took the initiative to pay off the payments that were in question ( in order to show the account is in good standing to allow the house lender to close ) and they screwed up where the payment went!! Now, their XXXX  caused another delay which is preventing the close on the house. 
Their customer service staff is completely useless in every way and now I will be without a home as I need to be out by XX/XX/XXXX, and the closing was supposed to be a week ago. 
If I can not get into my new house by Friday the XXXX I will unleash a lawsuit on them.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This account I already have a CFPB dispute opened which is XXXX XXXX XXXX XXXX Account Number xxxxxxxx XXXX XXXX  {$32000.00} continues wrongfully report inaccurate information. Not only they are reporting to credit bureaus wrong but they adding another company XXXX XXXX. Its showing that this account opened and I missed a payments but how this is possible if its charges off. Plus the dispute is still being investigated. So again I do not recognize the account the way its reporting to all three major credit agencies XXXX, Equifax, & XXXX it does not meet the fair credit reporting act regulations. The payment status, the payment history, the past due balance, current balance, date opened, date last active,, the date of first delinquency are not correct and in some instances they are completely missing. How is this accurate reporting? I am demanding for this to be removed and reflect it in the proper picture on my credit report worthiness. All three major credit bureaus are supposed to protect my information pursuant 15 U.S. Code 6801 - Protection of nonpublic personal information currently I made multiple disputes with all three credit agencies regarding this account. My rights as a consumer are being violated under multiple laws 15 U.S. Code 1666b Timing of payments 15 U.S. Code 1681i ( 5 ) removal of inaccurate/ invalidated credit information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681e - Compliance procedures removed this account immediately off my report. PS this is more proof that my information is getting share without my permission and its inaccurate information. Now I feel like I am being targeted by this company because of my race and that I disputed something that is not right on credit profile they continue to break my rights please can this be removed permanently off all reporting agencies including XXXX, Equifax, XXXX, & XXXX XXXX. Someone needs to be handled responsible for this careless, irresponsible, XXXX XXXX XXXX.
Consumer complaint received 2022-09-15
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. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}, XXXXXXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXXXXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, and XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2020-01-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (WA)

I paid a debt that was not verified. I just needed be removed from my credit. I never received a letter from Procollect showing a breakdown of the charges. The apartment community was under new management Each time I called and tried to express the reason why the debt was invalid, the representative stated that they would update my report with a refusal to pay. This was incorrect. I have documents noting the apartment was experiencing heating issues. 

Now that I have paid they have refuesed to deleted the debt as promised. Their responses are always different 1 ) We have reported it to the credit Bureaus, contact them for their timeline 2 ) I must wait 90 days for the debt to be removed from my credit. This is unreasonable. If you are instantly able to report a refusal to pay, you should be able to remove the debt in a more timely fashion Additionally, I have contacted the Credit Bureaus, they have repeatedly stated that you have not responded to their dispute letter. I believe your tactics are not in accordance with the Fair Credit Reporting practices
Consumer complaint received 2018-03-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (TX)

The dispute is a American Express credit card payment Account Number Ending : XXXX back in XX/XX/2017. Originally the account number ended XXXX. 1 mistake i made is looking at the bill pay, it shows only XXXX as the full account number. I don't know if it is short for security or if i actually made a mistake and did not type the full number when i made the payment. 
As i said before, I sent a payment to AMEX but they did not apply the {$3000.00} payment to my account. I have been calling but can not find anyone who is willing to find why my payment was not applied. 
I have attached my Proof of Payment from XXXX, and all of my statements showing the electronic payment was completed and never kicked back so AMEX has the money somewhere but will not apply it to my account.
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MI)

I've been a loyal customer of Chase for years and with the recent pandemic, my business slowed. I was charged a {$95.00} annual fee for a card I have not used in a while and trying not to as I navigate the COVID environment business wise and the loss of business income. I asked for a courtesy waive of the yearly fee as I've always maintained my accounts in good standing and the agent rudely declined. I felt that not only was she not able to resolve my concern but was very rude in my interaction. 

I am requesting for a review a waive of the annual fee for this year.
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

These inquiries was delisted on my credit report after they were deleted. These inquiries are not mines. 


Inquiry details XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXXl Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from  XX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX + Auto Financing XXXX XXXX Inquiry from XXXX XXXX XXXX + Personal Loans Cos. 
XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX from XX/XX/XXXX + Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX Auto Dealer Inquiry from XX/XX/XXXX + All Banks XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX In Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing
Consumer complaint received 2021-04-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I own a Bank of America Travel Rewards Card and I redeemed some points available booking a trip directly with their Travel Center. 
Unfortunately the airline ( XXXX XXXX postponed my connecting flight, forcing me to stay inside the airport for 11 hours. 
Due to Covid restrictions it would be a nightmare to spend 11 hours inside an airport and I decided to call Bank Of America Travel Center to discuss a flight change ( XXXX offers it for free until XX/XX/21 ). 
I've been trying for two weeks now with no luck. 
There is only one number available with several hours long waiting time. 
I scheduled a call back and after missing some calls because they tried multiple times to call me back after midnight, I managed to speak with a representative. 
The first operator does not know anything about travel systems, change and cancellation policies and both times I had the chance to talk to them, they tried to pass the phone call to the " Support Center ''. 
Both times operators of their Support Center were not available so they scheduled a call back between 24-48 hours. 
I opened two cases and both times I never received a call back. 
This is not how a Travel Agency should operate. 
I'm stuck with a flight that doesn't work for me anymore and I have no possibility to change it or cancel it even though both services are available and free during Covid. 
This is absolutely an unfair practice to the consumer.
Consumer complaint received 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (PA)

XXXX XXXX refuse to remove negative information about credit card. XX/XX/XXXX called to settle account rep said nothing owed account is closed with XXXX balance. Months later received updated credit report account reported delinquent with incorrect balance {$2000.00} instead of {$1300.00} ( which I was told was a {$0.00} balance ). Disputed the information denied claim information remains. XX/XX/XXXX tried again disputing information denied. XX/XX/XXXX spoke to credit bureau advised to dispute with XXXX so I did and got absolutely no where. The lady involved from synchrony told XXXX that they will not update my information told me my account was sold to a third party. If I had a problem with the amount in question I had to contact the company it was sold to. I proceeded to ask how will that help with my complaint if my issue is with your reporting not the third party it was sold to. No answer. 
Credit agency tried again reporting as to old remove from file and denied and synchrony updated the file that account information was updated in XX/XX/XXXX and last payment was received in XX/XX/XXXX and I havent done anything with this account. Im so sick of this account its been nothing but problems and everyone pointing the fingers and passing the buck. And in the end Im getting hurt.
Consumer complaint received 2018-03-28
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: Credit Plus Inc (FL)

On XX/XX/2018 I made an inquiry to an on line company about refinancing my home. I talked to the agent on the phone to get basic information. With out my consent or knowledge a Hard credit inquiry was run which has adversely affected my credit score. This is in error and will stay on my report for 2 yrs. The company used to do the credit report was : Credit Plus, XXXX, MD XXXX XXXX Any help in this matter would be appreciated. 

Thanks XXXX XXXX
Consumer complaint received 2020-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MA)

My credit score is excellent ( over XXXX XXXX. 

I am being charged with late fees on my BJ 's Mastercard issued by Comenity Capital Bank. 


On XX/XX/XXXX I paid {$100.00} toward the minimum payment of {$35.00} due on XX/XX/. I was charged a late fee of {$29.00}. 

OnXX/XX/XXXX, I paid {$100.00} toward the minimum payment due on XX/XX/XX/XX/XXXX I was charged another {$35.00} late fee.
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The account listed on my credit report by XXXX XXXX on my Experian credit file. This account was already paid in full before the closing of this account. This account was still written off and placed in a charge off status. Theres no money owed and the balanced needs to be updated as Paid in full and account is closed. All prior months payment were paid on time. I am requesting for this account to be completely modified and updated or deleted. This is significantly damaging my credit score and is not acceptable. There is no monthly payment or balance for this account. This account was opened in XXXX and should remain on file until XXXX. There should be no further updates by the furnisher on this closed and written off account as this is fraudulent activity.
Consumer complaint received 2023-02-07
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: Experian Information Solutions Inc. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2018-03-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (NE)

I applied for a loan modification ( XX/XX/XXXX XXXX, when I got the option back it was {$60.00} more than I was already trying to pay and more than I could afford, as my husband had become unemployed. I tried to contact them ( XX/XX/XXXX ) to let them know our situation changed and that I needed to reapply. But I could not get thru I had to leave a detailed message. I never did get a reply back. I continued to try and pay as much as I could. I called again ( XX/XX/XXXX ), to ask about doing another loan modification after my husband got a job. Then they denied a loan modification ( XX/XX/XXXX ) as I rejected the previous one. I also got my statement and noticed a few of my payments were either applied a month after received ( received XX/XX/XXXX applied XX/XX/XXXX ) or not at all ( XX/XX/XXXX ). So I saw I am 5 months behind, when I am only 3 ( a payment XX/XX/XXXX probably received after notice sent ). I tried to call again, to get that fixed and to question about the denied modification, and After being on hold for 10 minutes I had to hang up.
Consumer complaint received 2022-09-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have been trying to get all 3 Bureaus to look into this account now for a about 3 months. I know that all my information must be correct or it needs to be removed. I have been asking to have this account looked into and I haven't received any information on my dispute. When you look at this account it states that my late activity was in XXXX. How can I have any activity in XXXX when the account has been closed since XXXX? XXXX has no payment history. XXXX has been charged off since XX/XX/XXXX. Experian has been been charged off since XX/XX/XXXX. Nothing makes sense and I haven't heard from anyone about my disputes.
Consumer complaint received 2022-09-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have been trying to get all 3 Bureaus to look into this account now for a about 3 months. I know that all my information must be correct or it needs to be removed. I have been asking to have this account looked into and I haven't received any information on my dispute. When you look at this account it states that my late activity was in XXXX. How can I have any activity in XXXX when the account has been closed since XXXX? XXXX has no payment history. Equifax has been charged off since XX/XX/XXXX. XXXX has been been charged off since XX/XX/XXXX. Nothing makes sense and I haven't heard from anyone about my disputes.