davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (SC)

I received an email from experian Saying my credit score went up and in the email it said I had a 98 % chance Of receiving a XXXX credit card So I figure 98 % chance of something like 100 % why not so I applied for it funny thing is they didnt even pull experience credit report they pulled equal faxes At the time equal facts had my score At XXXX And I was denied so I called them up When you get it email prompting you and Enticing you to fill out a credit card application saying that your 98 % chance of getting it And if they would have kept it neutral saying you have A50/50 chance then you could put the blame on myself but when experian enticed me and provoke me my telling me I got 98 % chance then getting the card I would never filled out the application I like to see the enquiry removed from my report to the for wasn't for them I wouldnt have done it ... .. 
There is a XXXX XXXX inquiry that is on there they never remove credit card was open in my name i had that closed and removed they left inquiry along with a discover card inquiry that should have been removed someone tried getting a XXXX XXXX i already have 1 the inquiry still there
Consumer complaint received 2020-10-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I contacted Experian over 60 days ago regarding some information on wanted on my credit report removed. They never replied. Then I sent a letter more than 30 days ago and still no reply. I have attached my Florida State ID as proof of my Identifcation.
Consumer complaint received 2021-01-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (GA)

I received the attach letter saying Ill have access to my funds at the end of next month. The letter says to email them if I have any questions. Well Ive emailed them many times and no response. When I go through the website and message PayPal they send me an automated response. This has been going on for almost 6 months now. I cant talk to anyone nor can I get a email or message from a real person. What do I do?
Consumer complaint received 2023-04-03
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. (IL)

I sent a letter out on XX/XX/2023 to XXXX, XXXX and Equifax. However it's been more than 30 days and the credit bureaus failed to send my investigation back. 

This is not making sense at all. According to the law 15 U.S. Code 1681i- XXXX in case of disputed accuracy. If the completeness or accuracy of an item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of disputed information, or delete the item from the file in accordance with paragraph ( 5 ). before the end of 30-day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2020-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX, TransUnion, and XXXX is showing information that doesn't belong to me. I have tried to have the items removed and have sent several letters to them to have the items removed.
Consumer complaint received 2020-10-30
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: Riverwalk Financial Corporation (TX)

Hello, My name is XXXX XXXX and the reason I reaching out is to complain on XXXX and how they have been lacking of reaching out or reporting to me on any updates. They have exceeded the 30 days multiple times and yet I have not seen no change or any movement on my account. They are reporting accounts that are not mine and I need to get this resolved as soon as possible. I already have mailed multiple letters through certified mailed, which are dated, and listed everything listed as detail as I could be. I have included everything they required and I still have not seen nothing change. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2019-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

SLS responded without answering the question and continues to deflect by asking for information that is already provided. It is a business ploy hoping the consumer will give up. I have all the time in the world to make sure a company does not misrepresent my account. Here is the last line of the latest SLS response : If your records differ, please forward payment documentation, such as complete, unedited bank statements reflecting any disputed payment, for additional research. 

The attachments were provided in a letter to the company on XX/XX/2019 and attached to complaints. The company is using circular logic where they answer without responding to the question, hoping the Consumer will give up. I have all the time in the world when it comes to a company trying to misrepresent my account. 

For the 3rd time, the attachments show no payment due. SLS is avoiding the issue by not reading the receipts already attached in complaint # XXXX and in a letter to the company dated XX/XX/2019. Let 's see if they acknowledge the receipts attached and admit there was no payment due for those months as stated in the receipts. I continue to honor my responsibility by paying each month, but SLS does not honor its ' accounting. If SLS notes there is not payment due ( see receipts attached with this complaint, in complaint # XXXX, and in a letter to the company dated XX/XX/2019 ), then there is no payment due for that month. 

This is not the 1st time SLS has tried this tactic and then had to admit their error. See complaint # XXXX. Are they cheating Consumers? Does it matter that this company continues this practice? Your organization needs to escalate this to the appropriate Regulator. 

Just because the company responded does not mean the complaint is closed. I need cfpb to actually protect consumers. Forward this complaint to the appropriate regulatory body for mortgage lending.
Consumer complaint received 2017-12-10
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: National Credit Systems,Inc. (GA)

XXXX keeps verifying and verifying and verifying on a derogatory remark that I DO NOT OWE.. XXXX and XXXX already removed it but it keeps coming back verified with no signature or legal documents on XXXX. Ive sent them 3 letters asking them for verification purposes biding my signature XXXX, XXXX and XXXX/XXXX/XXXX. All they say is verified without any legal documents or no proof. Its gotten to the point where its affecting my daily life because an apartment complex is reporting is me to a credit bureau on a lease Ive never signed. Also my very last letter I sent on XXXX/XXXX/XXXX they never contacted me back in writing. Theres also 1 more item on my report thats theyre giving me problems with thats unverifiable. The amount of both deragtory marks are {$2700.00} - for the apartment lease I never signed and {$150.00} that I have no clue about.
Consumer complaint received 2023-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Click n' Close, Inc. (FL)

Dear CFPB good day Since XX/XX/XXXX, I'm trying to reach Click n close to check why my escrow statement doesn't match with the property taxes on XXXX XXXX 's web page. Also, the bank shows they sent 2 payments for property taxes on XXXX ( the first one on XX/XX/XXXX and the second one on XX/XX/XXXX ), and XXXX XXXX only received XXXX in XXXX. Now I'm in delinquency ( with interest and everything ) for the taxes of XXXX. 
I open a case with the bank 's customer service. In the beginning, they ask me to wait one week. I called every two days. No news, nobody checks the status of my complaint. I have never been in delinquency and is not good for me I have late payments with XXXX XXXX. 
I tried to reach any supervisor, but the bank never called me back. 

Also, I really want to speak with somebody at the bank. I want to know how much I need to pay now in order not to have a {$500.00} increase in my monthly mortgage payment for escrows. 

Also, why the bank is sending late payments for taxes XXXX on XXXX? Is this a regular situation? 

Thank you one more time- XXXX XXXX
Consumer complaint received 2021-10-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (CA)

I NEVER DID THIS. AND I'VE CONTACTED THEM AND NCA AND THEY WON'T STOP MAKING THREATING PHONE CALLS..NCA THREATENED TO BURN DOWN MY PLACE SAYS THEY DON'T CARE ABOUT IDENTITY THEFTED... I was paying this now r with my life. 
ATTACHED IS IDENTITY THEFTED LETTER TO THEM. NOT CARING THEY SAID..I WILL PAY R I WILL PAY WITH MY LIFE... THEY THREATENED TO HURT ME THE NCA...
Consumer complaint received 2023-04-04
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I opened up this account on XXXX of 2019 however after 30 days capital one closed my account without notifying me and for no reason, when they closed the account they also stopped my automatic payment and denied me access to pay online whenever i called in to take care of the issue they told me their is no access to account,
Consumer complaint received 2021-10-15
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. (OH)

Ally Auto loan XXXX initiated contract date XX/XX/XXXX was paid in full as agreed in the amount of {$15000.00} on XX/XX/XXXX prior to the 72 mos contract date. Ally was initially contacted on XX/XX/XXXX and was told we had to wait until the payment cleared on XX/XX/XXXX for it to be removed from credit report. I called back on XX/XX/XXXX and was advised that i missed the XXXX reporting of XXXX but that it would be sent XXXX to all credit bureaus and not to dispute the account or balance. I called on XXXX and was told that it was sent on XXXX. I checked with all 3 credit bureaus on XXXX and was told nothing was received and that creditors send monthly reporting in electronically and it would hit their system in " real time '' and show on my report. i contacted ally again on XXXX and asked to speak with a manager after I was told I would have to wait until the end of the month for it to be reported. The manager apologized and said she could send me a paid in full letter and creditor letter via email- i received the paid in full but was unable to view the creditor letter. She also said she would send a request over to their credit reporting team to see if there was an issue and follow up with me. I called back XX/XX/XXXX after I checked with the credit bureaus and was told XXXX received the account was paid in full as agreed but XXXX and XXXX had not received notifications since XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. I was told by Rep XXXX I needed to wait until XXXX for Ally to send notifications to those credit bureaus and that she saw the request from XXXX sent by the manager and that there was an update done XX/XX/XXXX. 
I asked to speak with a manager and was transferred to XXXX who said the she would send an updated request to the credit reporting team but that it could take up to 45 days for them to review and resolve. At this point, I have submitted disputes with the credit bureaus and included supporting documentation and was told the company is not responding. I am submitting a complaint to XXXX and CFPB as I believe the company is intentionally misrepresenting my credit account with them and are violating credit reporting guidelines indicating there is a balance owed. As indicated, I have reached out to the company numerous times and have received no resolution within the appropriate time frame and am being penalized for paying my account off early prior to accumulating high interest charges.
Consumer complaint received 2023-02-26
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

In accordance with the fair credit recording act this creditor has violated my rights under 15USC 1681 Section 602 states i have the right to privacy. 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open an consumer credit plan as late for any purpose.
Consumer complaint received 2017-12-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Information Bureau, Inc. (FL)

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX Consumer protection bureau : XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX TXXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-10-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was having email with my real estate agent from this XXXX from XXXX. His name is XXXX XXXX, XXXX real estate agent, XXXX. I send an email and got feedback lastly on XX/XX/XXXX, and submitted some documents on XX/XX/XXXX. For XXXX XXXX payment and change my information, I send an email asking about that to XXXX. However, I got an email with information about certain bank account, Account Number : XXXX XXXX Number ( Routing ) : XXXX Originally I have to pay my rent through online portal for tenants, but at XX/XX/XXXX, the bank system was down so I thought this is onetime adjustment. So I paid XXXXUSD from my Bank of America account to the scammer 's XXXX account. I trusted him because on XX/XX/XXXX I requested tenant portal update and I got an email about it. Also I replied to original lease email from XXXX so the email conversation was between me and the real estate agent. I don't know how he could break into the conversation and reply to the right original email address ( XXXX ), because the scammer 's email address was diffrent ( XXXX - no 'S ' in the address, I found yesterday ). So this is how I paid to scammer 's account {$1200.00}. I asked to my bank and they said it is hard to reverse the transfer and will take times. The police does not care this case. I just want to get my money back. If the scammer 's bank account can be concealed, it would be great.
Consumer complaint received 2020-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (GA)

Recently refinanced mortgage with XXXX XXXX XXXX XXXX ( XXXX ). The mortgage was previously held by Dovenmuehle. The mortgage/refinancing was completed XX/XX/XXXX. XXXX, XXXX XXXX XXXX was the law firm involved. 
Due to timing ( XXXX period ), taxes are due so the new mortgage holder ( XXXX  ) required I wire money to cover the escrow. In turn, all parties ( XXXX, Dovenuehle, Law firm ) all advised me that once the loan paid off with old holder ( Dovenmuehle ), I would receive a refund of the escrow account I had with Dovenmuehle within 15 business days. 
Dovenmuehle confirmed loan paid off XX/XX/XXXX in amount of {$320000.00} and escrow of {$10000.00} would be refunded to me via check in 15 days. I still have not received the escrow refund and I have spoken with Dovenmuehle several times. 
On XX/XX/XXXX, I spoke with XXXX of Dovenmuehle ( they don't give last names or any other identifier like agent number, etc. ). He said I would have the escrow refund by XX/XX/XXXX. On XX/XX/XXXX, I called to report that no check arrived and spoke with XXXX. She told me check hadn't been sent but could/would not explain. She put in a request to process the check. On XX/XX/XXXX, I spoke with XXXX. Same story, check not sent and she would put in another request. I then spoke with XXXX and her Supv XXXX. Same story. The reps all tell me the only thing they can do is put in a request and for me to check back in 5 days. This has happened repeatedly. I asked to speak with the dept or individual who worked my loan and I'm told they can't give names or other dept contact info. I asked the rep to send me an email confirming she made the latest check request and am told they can't send outbound emails. I asked for a call back and was told they can't make outbound calls. Bottom line is Dovenmuehle is supposed to have already sent me the escrow refund check for {$10000.00} and I don't have it and every time I check I have to start all over - rep claims they update system to request check which has 5 day turn around time to issue check and I have to call back only to find out nothing has happened in terms of refunding the escrow.
Consumer complaint received 2017-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Google Compare Credit Cards Inc. (MD)

XXXX is reporting incorrect information about my business. It keeps saying it will send me a postcard to verify me but wont and I never receive it - it is sending my customers to the wrong address and I am seeking action now against them
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: WELLS FARGO & COMPANY (CA)

I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY PERSONAL INFORMATION AND OPENED A SECURED CREDIT CARD WITH WELLS FARGO, I HAVE NEVER SEEN THE CARD, I HAVE NEVER AUTHORIZED THAT SECURED ACCOUNT TO BE OPENED. I COME FROM A COUNTRY WHERE EVERYTHING IS CASH HANDLED AND I DONT BELIEVE OR TRUST THE CREDIT CARD CONCEPT. IF YOU LOOKAT MY CREDIT REPORT YOU WILL SEE THAT I DONT HAVE NAY CREDIT CARDS, NO AUTO LOANS, NO STORE CREDIT CARDS. THE WELLS FARGO SECURED CREDIT CARD IS FRAUDULENT, ITS NOT MINE.
Consumer complaint received 2021-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a dispute to Transunion about two items on my credit report that are fraudulent via mail and phone. Transunion is not only still reporting the fraud they have not addressed my dispute. By FCRA law they have to cease reporting the company in question until the investigation is completed. They have not done so nor have they initiated any investigation attempt.