davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-10
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. (AL)

In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXXAccount # XXXX XXXX XXXX XXXX- XXXX XXXX XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you
Consumer complaint received 2021-04-09
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: EQUIFAX, INC. (FL)

As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,
Consumer complaint received 2021-11-02
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. (MO)

I have tried several time to have negative information verified with proper signed documentation and all time they company has failed to proved the proper documents proving debt validity, in violation of the FCRA.
Consumer complaint received 2021-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (TX)

In XXXX of XXXX, I contacted Discover Bank to inform them I would be unable to make a payment because I was forced to leave my home during the Texas Snowstorm. Also at this time, I gave Discover my new banking information, as I was using XXXX XXXX, and they had seperated from XXXX and gone to their own operating system. I informed the collections agent that I would be paying during the month of XXXX when I was able to do so, as I had missed a week of work and was not going to be payed by my job during the week of the storm. In XX/XX/XXXX a payment was made using the XXXX XXXX  account in the amount of XXXX dollars, which was processed correctly. In XX/XX/XXXX, I contacted Discover to ask an unrelated question. I was encouraged to sign up for XXXX XXXX  and was told not to worry and all my payments would be processed automatlically. I expressed my concern to the agent that any post dated check payments would not be processed, as XXXX does not issue checks and does not except check debits from outside sources. I accepted the agents offer based on her assurances everything would be processed correctly, and made a payment in the amount of XXXX using a post dated check system, rather than an ACH. My payment of XXXX payment was returned a week later, and I called to make a replacement payment using the same banking information. The agent assured me this payment would be processed using the ACH method, and was processed correctly on XX/XX/XXXX. On XX/XX/XXXX, I contacted Discover to make a XXXX dollar payment to my account, and explained the necessity to process the payment as an ACH and not a post dated check. She stated she was processing my check as an ACH. On XX/XX/XXXX, my payment returned. I was told this payment was processed as a post dated check, even though I had asked Discover not to. On XX/XX/XXXX, I attempted to process another XXXX payment. I was told this was returned on XX/XX/XXXX. It is unclear why this payment was returned, and was advised by Discover that I should contact my bank. My bank is unaware of any payments made and stated that they could track a payment using a trace ID number. Discover is unwilling to give me the Trace ID number and has stated that any payments returned will be reported to my credit, and is unwilling to work with me.
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (NJ)

Ally Financial is reporting a lease as a charge off account. This is factually untrue. The car was destroyed, the lease ended, the insurance was taken care of, the final balance required paid. Ally Financial refuses to change the reporting status of this account and it is causing me extreme financial hardship.
Consumer complaint received 2021-11-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (FL)

JEFFERSON CAPITAL SY has put a collection of {$12000.00} on my credit report on XX/XX/2018. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2019-11-05
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)

You say that your company has reinvestigated these accounts and verified them as being accurate but it is obvious that you have verified nothing. All you have done is parroted information given to you by other sources and shifted the burden back to me to prove that the reported items on the accounts listed below are not valid which is clearly in violation of 1681 ( a ) ( 4 ).
Consumer complaint received 2021-06-04
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 sent a letter to all three credit report explaining my situation and the purpose to have a good credit. Recently my Equifax was XXXX and they subtracted XXXX points because I open a new credit card and I think it is a lot of points and it is a mistake. My credit score instead of going up goes down. I dont have late payments and my credit uses it is not to high.
Consumer complaint received 2020-12-10
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. (TX)

Sent letter of dispute of inaccurate items contained in ccredit report on XX/XX/2020. As of todays date XX/XX/2020 I have not recieved any corespondence from the credit bureau. This is well over 30 days.
Consumer complaint received 2020-12-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (MN)

mi informe de crdito muestra sobre una deuda que nunca se verific que fuera exacta y la que notifiqu por segunda vez el 12/03/2020 pero nunca respondieron y aun no contestan .
Consumer complaint received 2017-09-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: The Hamilton Law Association (OR)

XXXX XXXX from Hamilton Law Association called repeatedly before XXXX XXXX on X/XX/2017, even after telling her not to call again. She called my personal phone at XXXX XXXX, XXXX XXXX, and XXXX XXXX. She did not identify herself as a bill collector and did not state that I was being recorded.
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I made a payment to my Capital One credit card on XX/XX/2021 and am being told on XX/XX/2021 that although the funds have come from my verified checking account ( I did a 3 way call with Capital One and my bank to verify my bank account approximately 1 week prior to making the payment ) - And Capital One is in receipt of the payment, theyve placed the payment on hold for 26 days. Almost 1 month on hold for a {$50.00} payment. Capital One refuses to make my funds available to me, but subsequent payments from the same account have been made available. Capital One is unable to increase my credit limit due to my account being too new, but offer no other solution to make my available credit reflect the amount of payments that have been made.
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

The XXXX XXXX XXXX Credit card Acct # XXXX, which was opened XX/XX/XXXX without my permission claims the card was closed At Credit Grantor 's request : This is not accurate, when I found out about this card, I paid the small balance off and request the account be closed. Therefore the statement should say Account closed at consumers request Further, the account was never late in XXXX, XXXX, XXXX, XX/XX/2020. Please correct these details. 

Also There is a XX/XX/XXXX XXXX XXXX account, the Original Creditor is XXXX XXXX XXXX. XXXX XXXX XXXX billed me for services that were not performed. I am requesting the accounting of this debt from XXXX XXXX XXXX. I went into this location and was informed they could not treat me, so how am I being billed {$290.00}, when no services were performed or provided? 
Please remove this debt.
Consumer complaint received 2023-02-19
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: OneMain Finance Corporation (PA)

A debt validation letter had been sent via certified mail, alongside a cease and desist order. I was never given a copy of my right to resend letter either, granting me the right or not. I would like to enforce my right to resend this contract, and for my title to my car be returned to me. I would also like to file for damages because my credit report is reporting inaccurate/invalided information as well. Please help! My consumer rights are being ignored, and violated.
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I contacted Experian on XX/XX/20 for a reinvestigation of a dispute I started against the company XXXX and provided them with proof of response from my filing of complaint to the consumer financial bureau about the collection agency XXXX ( that appears on my credit report ) in which XXXX agreed to remove their account from my credit report. Experian sent me a response on XX/XX/20 stating that XXXX will remain on my report despite the proof I provided that they should be removed. I dont believe they actually contacted the company or looked at my documents. They did absolutely no investigating and gave me results in less than 24hours that were incorrect. I want that company removed from my account immediately.
Consumer complaint received 2020-06-02
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. (TX)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. XXXX XXXX {$390.00} XXXX  XXXX {$1000.00} XXXX XXXX {$480.00} XXXX/XXXX  XXXX {$620.00} XXXX/XXXX  XXXX {$4100.00} XXXX XXXX XXXX XXXX {$420.00} XXXX  XXXX XXXX {$950.00} XXXX  XXXX {$7900.00} XXXX XXXX {$1200.00} XXXX XXXX {$410.00} XXXX/XXXX  XXXX {$1200.00} XXXX/XXXX  XXXX {$1200.00}
Consumer complaint received 2021-06-04
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem with direct deposit
Company: REGIONS FINANCIAL CORPORATION (GA)

On XXXX, I sold XXXX XXXX  at XXXX for {$100.00}. At that time, they gave me an envelope containing a debit card and a letter explaining how to get my money. They said I was required to make my second donation within 14 days of the first one. 

A couple days later, I went to the website at https : XXXX? XFunction=LoginPage to transfer the money to my checking account. The website said there was an error and to contact customer service. I did so at XXXX, and they said that the system was down and that I should try again the next day. When I tried again, I got the same error and called customer service again. This time, they said that it wasn't possible to direct deposit my existing balance, even though the documents I received clearly say that I can do that. I then set up direct deposit for future payments, but they said that would take XXXX business days to set up, which will be after my required 2nd plasma donation. 

On XXXX, I sold plasma again for {$100.00}, as was required. 

On XXXX, I went to a bank to withdraw the full balance of {$200.00} from the debit card. The card was declined for unknown reasons. I immediately called customer service, and they said it wasn't possible to withdraw at a bank teller, again contradicting the documents on the account.
Consumer complaint received 2020-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (TX)

This complaint is to raise a concern on the mortgage servicing practice carried out by my lender - Home Point Financial ( which is now Home Point ). Our loan was sold off to this company right from beginning. At the time of closing, we couldn't afford to make complete 20 % so we had to pay PMI until we reach so. Now with additional principal payments I should be able to reach there soon and avoid the PMI and this is where the problem started since I had to work with the Mortgage company. 

I contacted the company multiple times regarding this and they mention the only way I can do something is to e-mail at XXXX. There is no phone contact number to them. Also their response time to every mail is 60 days!. I have been trying to reach them through e-mail couple of times now and they never get back. It is unacceptable for people like me to pay PMI even after reaching 20 % only because the mortgage company is slow in working on it. 

Apart from this I have also been trying to setup bi weekly payment with this company for 1.5  months now with multiple calls and 2 times form submission with required documents. However every time I contact them, the customer care tells me the bi-weekly payment is still not setup. 

These lending practices are simply awful and are a nightmare to everyone. Any improvement in this regard would be very useful to millions of customers like me. Also please help me get a response back from PMI team on my issue.
Consumer complaint received 2020-12-10
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. (TX)

Sent letter of dispute of inaccurate items contained in ccredit report on XXXX/XXXX/2020. As of todays date XX/XX/2020 I have not recieved any corespondence from the credit bureau. This is well over 30 days.
Consumer complaint received 2021-04-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rauch-Milliken International, Inc. (MA)

I signed a contract to use a virtual office mailbox with XXXX. The contract is for {$49.00} per month. I started the contract in XX/XX/2020. I paid {$49.00} for the 1st month which was XX/XX/XXXX and was billed {$98.00}. I was then billed {$49.00} for XXXX and I paid {$49.00}. The next invoice I received had new charges for additional services, forwarded charges, accelerated charges and late fees. 

I contacted XXXX and they stated that I contact Customer Service to get the invoice charges corrected which they gave me a credit note that was never applied and still did not completely reverse all charges but added them to a new invoice plus late fees. I was told that they were not going to be able to correct the invoice until I brought the account current. I argued that the charges were not valid and they were aware but demanding payment and then correct the invoice is still having me pay for erroneous charges. I told them that this was a deceptive practice and that I am being extorted for money because I do not owe what they are stating. They continued to send accelerated invoices with fees and then had a posing attorney 's office reach out to me demanding {$870.00}. 

I contacted XXXX XXXX who posed as an attorney and I let her know that if she look at my contract there are charges that were added to the invoice that were not requested and I spoke with the customer service representative in XXXX to have her correct the invoice before I make a payment because they were demanding payment on something that was not correct. They were doing this knowingly. I have been threatened with legal action and to have a collection agency collect this debt however, this money is not owed to XXXX. I told them that I am more than willing to pay the corrected invoice amount but, if they were not going to bill me correctly that I would not want to use their service because it is deceptive practices and fraud at this point as I have a contract. I received a bill for {$720.00} today.
Consumer complaint received 2021-08-19
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: EQUIFAX, INC. (MN)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 56 days later I have not received a response yet. I feel like Im being being ignored and taken advantage of. After taking some time to do research on this matter, I concluded that a failure to investigate these items within 30-45 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation, due to the stress you caused me.
Consumer complaint received 2017-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Sent XXXX on XXXX XXXX via XXXX XXXX to the code city for XXXX XXXX XXXX TX with the Account Number as of XXXX XXXX the Company states they have no record and can not find payment, when trying to pay with checking account online receiving the run around
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CarMax, Inc. (GA)

I have multiple inquiries from a company called : Carmax Auto Finance The dates are : XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX I do not have any services with this company and I do not know who they are. Additionally, I do not know how or why they obtained a copy of my XXXX  credit report.
Consumer complaint received 2020-12-10
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. (MA)

Experian is inaccurately reporting and account on my credit file that doesnt belong to me and is not mine. Account shows as XXXX in the amount of {$310.00} dollars. The address on the account is XXXX XXXX XXXX XXXX XXXX, Massachusetts. I XXXX XXXX XXXX XXXX never live at that address nor have I ever given anyone permission to you my name on this account.
Consumer complaint received 2023-04-01
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: CBC Companies, Inc. (LA)

For months I've been Disputing XXXX about 2 US DEPARTMENT OF EDUCATION accounts XXXXXXXX XXXX XXXXXXXX to be deleted from failure to validate, obligations to fairness and privacy and inaccuracies. 

I have multiple letters daily from XXXX Reporting Agency of inaccurate and willful non compliance and Neglect.
Consumer complaint received 2021-06-04
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)

There is one account on my credit report that does not belong to me through XXXX  and there are a few inquiries that are not mine on Experian and XXXX  I have been disputing these with the bureaus and the furnishers but they wqill not help me out I didnt open this account or pulled any of those inquiries I need help to remove this from my account please. 

XXXX XXXX - Acct # XXXX Amt {$62.00} Opened XX/XX/2020 INQUIRIES XXXX XXXX XXXX - Inquiry date : XX/XX/2020 XXXX XXXX XXXX - Inquiry date : XX/XX/2020 2020