davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-27
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XX/XX/XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XX/XX/XXXX - CARD SERVICE on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XX/XX/XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XX/XX/XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX XXXX on XXXXReported Identity Theft ) XXXX.XX/XX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. US SM BUS ADMIN XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX.XX/XX/XXXX XX/XX/XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$170000.00} XXXX  XXXX XXXX Balance : {$490.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$170000.00} XXXX  XXXX XXXX Balance : {$490.00}
Consumer complaint received 2020-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

Emails in account portals for weeks. 
Wells Fargo continues to tell me to call Escalations Dept when I asked for the Government contact info to report Error Fees : a {$31.00} charge for a Stop order that isnt needed continuously or agreed to pay for ( asked for a one time stop IN CASE ) Banking Errors : beginning XX/XX/2020 bank statement, I asked for a manual audit because the banking statement math was incorrect. 
TODAY : XXXXCustomer Support answered the phone to display an argument that I spoke to her in that way when I asked what she referred to, she hurried to transfer the call. Fraudulent claim that I was a customer difficult to handle & not following customer practices.
Consumer complaint received 2021-04-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PulteGroup, Inc. (MN)

I am purchasing a new construction townhouse with Pulte XXXX and signed a purchase agreement on XX/XX/2020. As part of the purchase agreement to receive the builder 's incentives totaling {$9500.00}, I submitted a loan application to Pulte Mortgage on XX/XX/2020. The purchase agreement and Federal REG B guidelines required the lender to provide a " Notice of Conditional Loan Approval '' within 30 days of the loan application. I did not receive the conditional approval until XX/XX/2020. This is a violation of Federal REG B and a breach of contract by the builder. Now that I am within 45 days of the home being completed, I have not heard from anyone on my loan team since early XX/XX/2020 even though I have made repeated attempts to contact. I am concerned that the loan financing will not be complete in time for the closing. However, even if the lender approves the loan insufficient time for the closing, this does not negate the fact that the lender did not meet the 30-day requirement for the conditional loan approval. The lender also did not send out an Additional Information Request letter, which would have extended the 30-day requirement. I provided all documents within a timely manner, so I honored my portion of the purchase agreement. The Lender is in violation of Federal law.
Consumer complaint received 2020-11-12
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. (NJ)

XX/XX/XXXX I sent in a dispute to XXXX XXXX XXXX XXXX XXXX and all 3 credit bureaus regarding a PAID OFF account that was opened in XXXX. I haven't received a response in over 35 days. XXXX and XXXX has since deleted this account from my credit report while Transunion report is still open. It is well over 30 days again and the account still hasn't been updated or removed.
Consumer complaint received 2022-10-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upgrade, Inc. (PA)

I took out the loan for {$10000.00} in XX/XX/2022 with an APR of 27.67 %. I suffered a significant loss in income and worked out a 3 month hardship with them. But they are unwilling to do more. I am not able to repay on their terms. 

It appears they are exceeding usury and this is predatory and abusive lending. All I want is reasonable terms to repay the debt.
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I contacted XXXX XXXX XXXX XXXX immediately after running my credit report for new credit with another company. I had found that my Mortgage has been set up on a repayment plan that I had not set up and that I was being reported 5 months delinquent from XX/XX/XXXX to XX/XX/XXXX. Upon notifying them they conducted a 30 day investigation only to have XXXX XXXX come back and tell me on the XX/XX/XXXX that she can see based on the notes and phone call that I didnt set this payment plan up and I am the one on the loan. She also informed me that there would be nothing that she could do about being that she had already discussed with management. 

I was told a verification was done and though they know I didnt set up the reporting is accurate and they will not be able to change. I asked if Im the loan holder and you know based on recorded calls and notes inputted by the XXXX XXXX Representative sometime in XXXX/XXXX   timeframe that I didnt create this payment plan how are you reporting accurately to the three credit bureaus. This has seriously defamed me and is causing me extreme harm. I hold a high level Security Clearance and my income is in jeopardy along with my ability to obtain new credit and Im suffering. 

I cried on the phone with Mr. XXXX XXXX, he said he would relook into The problem is that if we change for you we may be legally liable to others for not changing theirs. I waited another week for him to only return and tell they would return two months of late fees, but wouldnt change reporting of Delinquencies to Bureas. I am at a lost here and seeking to offer them another opportunity to correct their error before pursing more civil avenues
Consumer complaint received 2019-11-01
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. (IL)

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX never late US DEPT ED XXXX not mine
Consumer complaint received 2021-04-27
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. (PA)

I have a problem with experian Credit bureau Checking into an existing problem I have XX/XX/XXXX report and in accurate information on my credit report I contacted them directly XXXX they have no records please update the system immediately my family is homeless behind this matter did they say this account was open in 2020 I thought Identity theft report since then Please validate this matter Im serious this is a serious
Consumer complaint received 2020-09-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Best Service Co.,Inc (CA)

I contacted Best Service Company in XX/XX/XXXX to pay in full a balance owed. The representative XXXX XXXX took the payment of {$280.00}. Ms. XXXX also told me that I would get a letter in the mail stating this debt has been satisfied and the company would make a submission to the Credit reporting agencies in which the debt was being reported that this debt has a {$0.00} balance with a deletion. Sad to say this did not happen. The only thing that did happen was I received a letter in the mail stating the debt was satisfied in full. I called XX/XX/XXXX, I was bounced around from representative to representative, all of which were extremely rude. I was finally transferred to a supervisor XXXX XXXX, who was not much assistance either. He continued to be rude and speak over me. He told me the best he could do was to send out a letter that this debt was paid in full. He said they ( Best Service Co  ) had reported to the Credit Reporting Agencies that there was no balance. However when I did speak with each Credit Reporting Agency and they claimed that Best Service Co was still reporting an unpaid balance even though they had told me they reported the account paid back in XX/XX/XXXX. I have seen many other people having the same issues and I noticed that this company is suspended with the Secretary of State in California and as a Corporation in California this is simply illegal.
Consumer complaint received 2021-04-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (PA)

Binance US is playing with people 's money. In the middle of a PANDEMIC. There are hundreds of customers complaining about not being able to access their money, frozen funds, lost money, zero responses, and no help. This should be embarrassing for ANY company that is in decentralized finance. It's shameful. I'm having this experience right now with a verification process that has been going on for months, with funds frozen in my account that I can not withdraw due to a delayed verification process. 

I started the verification process XX/XX/XXXX. They claimed it would take up to 15 days to fully verify. For SOME reason, you can not trade anything or withdraw anything until your account is verified, BUT you CAN deposit into the Binance wallet. Assuming this was only going to take two weeks, I transfered 1k worth of XXXX into Binance. However, the verification process is still going on, and I do not have access to trade or withdraw my money. 

I have reached out on various occasions to the company. They don't have a number to call so it's only through support tickets. Zero responses. I was finally asked to submit documentation again, and I did, but still, zero responses. That was at the top of XXXX. I started to reach out to them on social media like XXXX and XXXX they blocked me on XXXX. 

I am not the only one experiencing this. Every XXXX  on their XXXX  account has replies from angry users not being able to access their money or account.
Consumer complaint received 2020-11-12
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. (FL)

There is an account on my credit report for XXXX XXXX XXXX with account number XXXX that I sent a dispute to Experian to provide a full payment history because I believe the statute of limitations has expired. What they responded with was only history back from XXXX and the account was showing opened XX/XX/XXXX where are the remaining months, years etc?
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Supreme Lending (TX)

I contacted the mortgage company on XX/XX/2024, to make a payment because the online portal wasn't allowing me to. The representative informed me that the title company had requested a payoff quote, which included the XXXX payment, so no payment was necessary for that month. 

However, when the title company paid off the loan on XX/XX/XXXX, the mortgage company marked my XXXX payment as late. I contacted the mortgage company and asked them to review the recording, as I had tried to make a payment for XXXX. They said they would review the recording and provide an outcome. 

Despite this, they sent me a letter stating that since the XXXX payment was made on XX/XX/XXXX, they are reporting a late payment for XXXX. They also marked me late for XXXX.
Consumer complaint received 2023-03-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION (AL)

After XXXX for XXXX XXXX, I received a bill from XXXX XXXX XXXX XXXX for pre-admission testing and a XXXX XXXX. I am insured under an XXXX, and XXXX XXXX is out of my network, but can obtain a prior authorization to cover such services ( they had all of my insurance information ). 
After much investigation, it was determined that XXXX XXXX did not attempt to obtain a prior authorization. I've talked to lots of people at the facility who agree with me and offer help, but I never hear from them again. XXXX XXXX refuses to negotiate. 
Now I have debt collectors contacting me.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these Items ( A ). It is not permissible to fail to validate these reporting Items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX
Consumer complaint received 2023-01-30
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. (AR)

I'm sending you this complaint to let you know that I was a victim of identity theft. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with XXXX XXXX XXXX as a result. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. This is a list of things that don't belong to me or that weren't opened with my consent : 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 Balance Owed : {$810.00} XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. FCRA XXXX XXXX ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than XXXX business days following the date of receipt.
Consumer complaint received 2021-01-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (CA)

I bought a XXXX chevy silverado on XX/XX/XXXX at the chevrolet dealer in the city of XXXX california for the amount of XXXX with a very high interest of 13.39 giving a total of XXXX including the initial payment for a period of 60 months. The loan was financed by the XXXX XXXX XXXX. The final payment of XXXX was made on XX/XX/XXXX when I called to ask about the title they told me that on XX/XX/XXXX I received it by mail and I called them many times and they only told me That the state sends them an error and they don't know what it is, therefore, today, XX/XX/XXXX, I called them because I did not receive it and they only told me the same thing that the state sent them an error and they hung up the call.
Consumer complaint received 2021-04-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

XXXX XXXX XXXX XXXX its reporting to the credit bureau a medical bill that does not belongs to me. I have requested validation of the item requested via phone after several attempts to disputing the collection directly with the credit bureau. I requested the company via phone to send me my confidential medical records with my writing release, no answer what so ever clearly violating my rights under HIPAA.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (KS)

The company reported to my credit without notifying me first. I called them and confirmed that they sent to initial demand letter to an old address. I asked them to delete the information off my credit report and then send me the initial demand letter so I have time to take care of the balance without anything hitting my credit. The acknowledge it was sent to the wrong address but claim since they received that address from the originator that they followed all the rules. I disagree, I was never allowed time to take care of the accounts before they hit credit. They said they also had phone communication with me but during that call they never talked about credit reporting. This is very unfair and violates the FDCPA.
Consumer complaint received 2022-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc (TX)

On XX/XX/XXXX of 2020, I processed a loan through Affirm INC for an airline ticket. I continued to make payments whilst tracking the amortization schedule. On XX/XX/2020 at XXXX pm, I received an email telling me 'your loan is all squared away '. This was the result of me making what I understood to be the final payment. 

On XXXX the XXXX at XXXX pm, I received an email informing me that a payment on said loan had failed to go through. This is a significant time after the fact that I received confirmation of my loan having been paid off. 

Now I am being told that my account has been charged off and that it will be sent to a collection agency. There was no prior communication from Affirm prior to this rather alarming notice. 

I was informed upon calling Affirm that they do not have a dispute resolution department which I find hard to believe. I also asked if this would be reported to my credit and was informed that it would report to XXXX. The agent also told me that she had seen this same situation before. 

I am deeply concerned about this practice. It includes false confirmation of debt satisfaction, failure to communicate delinquency and in my opinion deceptive trade practices.
Consumer complaint received 2021-11-29
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX {$980.00} XXXX XXXXXXXX XXXX {$720.00} XXXX XXXX XXXXXXXX {$650.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX {$9100.00} XXXX XXXX XXXXXXXX {$490.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1000.00} XXXX XXXXXXXX XXXX {$200.00} XXXX  XXXX {$780.00} XXXX XXXXXXXX {$780.00} XXXX XXXX {$690.00} XXXX XXXX {$720.00}
Consumer complaint received 2021-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.