davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SECURITY FINANCE CORP (TX)

This loan is with Security Fin I paid them on XX/XX/XXXX in full they gave me a receipt saying XXXX balance. They did not report to the credit bureau 's that the balance is paid in full I called Security fin twice to fix this the first time they told me to wait until the end of XXXX and it will update XXXX I call XXXX to report the incorrect information and the report came back that the information was correct and I sent the receipt from Security fin they still would not correct it. Here it is now XX/XX/XXXX and it is still showing balance XXXX and high balance XXXX on my credit report.
Consumer complaint received 2019-02-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Monterey Financial Services LLC (CT)

I signed up for what I thought was financing for my puppy from XXXX XXXX XXXX in XXXX CT in XX/XX/2018. The sign on the window specifically said financing, and the woman I was dealing with when applying for the financing said I would be making monthly payments for 2 years from the start date in XXXX. The sticker price of my dog was {$2400.00}. I applied for the financing through Monterey Financial Services and was approved. The woman at the pet store had me sign a few things quickly and that I was all set. Ive been making on time monthly payments of {$220.00} each month ever since then. Last month I went to check on how many more payments I had online and was shocked to find that I still have over {$4000.00} left to pay. I called Monterey Financial Services and was told I was not actually financing my dog, I was leasing it and to actually own her at the end of the leasing term I had to pay {$400.00} more. This was never told to me in the pet store or when I was on the phone applying for the financing. Now I am stuck in a pet lease and on top of it I have to pay more to own her at the end of it. I feel like I was misled in the whole process and Monterey is telling me that if I miss one payment they are able to take the dog back.
Consumer complaint received 2016-08-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

I am submitting additional supportive information in regards to a complaint I had put in with the XXXX major credit reporting agency 's. My XXXX account is currently reporting as a 30 day late payment. This information is incorrect as I have never been late in paying this credit card. The credit reporting agency 's told me they did an investigation and it was reporting correctly. This investigation was too short as I received the results way to quick. I contacted XXXX shops and they provided me with the letter I am submitting as substantial proof that this account was not paid late. This account should be showing as accounts in good standing and with the deragatory remark removed. I requested this back in XX/XX/2016. Please note the date of this letter which is dated XX/XX/2016
Consumer complaint received 2016-03-11
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (CA)

I spoke to Cmre rep a few times. They keep asking for the FULL AMOUNT of original balance. They 're not the original creditor and ca n't pursue the full amount. I 'm a veteran and have notified them several times. They 've been extremely rude and management wo n't return a single call.
Consumer complaint received 2016-10-04
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

We have CapitalOne credit card line for {$1000.00} for me XXXX XXXX and my wife XXXX XXXX since XXXX 2016 ( XXXX ). Voluntarily using the credit card agreement they change the processing times with account information from XXXX XXXX XXXX setting up different payment dates and processing times intentionally damaging our family budget and credit worthiness. I have already filed complaint with Consumer Protection Bureau Illinois Attorney General against Capital One. XXXX XXXX XXXX already tempted us out to file bankruptcy because they did not report repayment of {$15000.00} debt and I reported that to Federal Trade Commission. Bankruptcy discharge order and bankruptcy case enclosed. All XXXX XXXX XXXX accounts went under bankruptcy with " XXXX '' balances ( bankruptcy case XXXX in United States Bankruptcy XXXX XXXX XXXX of Illinois ). I am looking forward to you stop intentional financial sabotage by these XXXX financial institutions and stop organized harassment of our family CapitalOne and XXXX XXXX XXXX.
Consumer complaint received 2023-03-20
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. (TN)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2024-02-16
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: EQUIFAX, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel pissed since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2020-10-17
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Fairway Independent Mortgage Corporation (ID)

We applied with Fairway Mortgage in XXXX for a VA loan we were approved for. We put down an earnest {$500.00}. Then they said  we had to put down a $ XXXX non refundable earnest again. Then they started to change loan officers after they dropped the ball on  closing by XX/XX/2020. That person XXXX XXXX tried to illegal sale out our loan, cancel it before the contract date was up even though we were approved. She then tried to give us any trouble possible to hold back our loan. She was complained about and taken off the VA loan contract for the house. XXXX took over and all was going to close by XX/XX/2020. Then somehow XXXX was put back on the contract and attempted to again breach contract by ending it prematurely and she told us it was closing and wed sign papers be in our new home today, then yesterday before XXXX she emailed saying she didnt get it done and she was canceling our contract so we are now homeless after putting in three months time to get the home. She said she would refund our money and give us return of $  XXXX for our troubles. She is now refusing to do so. This was on track to close and she ruined it again but for good this time. Veterans are supposed to be treated with respect and dignity this company and XXXX XXXX breached contract and will not fix their negligence in this matter that has now caused us to be homeless in winter in Idaho. Please help.
Consumer complaint received 2015-08-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MD)

I pulled all XXXX of my credit reports and My first mortgage with XXXX acct ending in XXXX is listed as well as my XXXX mortgage with XXXX XXXX XXXX Bank acct XXXX as being charged off on my Bankruptcy case # XXXX NVA dated XXXX 2009. I have never had any mortgage on my bankruptcy. I have contacted all XXXX and they have not removed this false information my mortgages are current and in good standing
Consumer complaint received 2017-03-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (PA)

XXXX re-inserted a old deleted fraudulent debt into my credit file, I sent letter to remove and they did not respond ... contined to re- insert a 2012 debt back into my credfit file, with Equifax ..., XXXX and XXXX deleted it ... equifax has not
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Porsche Financial Services, Inc. (CA)

Hello, I have been disputing a XXXX auto with XXXX for some time now. This account is past the statute of limitations for California XXXX 7 years from XXXX, which is XXXX ) XXXX  and XXXX have followed the FCRA and removed the account but XXXX  refuses. I spent over XXXX hour on hold to be told they could do nothing more then dispute it which I have done XXXX times over the last 2 years. XXXX is violating the law by updating the XXXX to XXXX, which is incorrect as I have had XXXX communication with this company since XXXX. XXXX tells me that they can only go by whats reporting and XXXX is not violating any laws by doing so. I have applied for a home loan and was denied do to the XXXX account and the XXXX balance owed. Please help me rectify this situation as they are clearly breaking the law.
Consumer complaint received 2022-09-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Experian has been by far the worst to work with of all the credit bureaus. I had potential fraud on my account and was able to start a credit freeze with all three bureaus. About 3 months later, I requested the fraud alerts be removed and XXXX and XXXX each took about XXXX XXXX to complete that task but I have had to call Experian about XXXX times and their automated system will not let you get to a person account representative. When I reach a business account representative, they advise they cant help. On one call about 2 months back I asked to escalate my issue to a personal account representative or supervisor and was told " no one was available and I would get a call back '' I requested to wait and they repeated " no one was available '' at that point I insisted I wait because I wasn't confident I would get a call back and the business representative hung up on me. I also never received a call back from that supervisor. I tried going through the automated system system and it says I do not have a hold on my account but multiple outside parties trying to pull my credit advise differently. I tried to go to the website and I get an error message directing me to call. When I call that number, its the same automated system where you can not get to a representative. Im just trying to unfreeze my credit!! please help. 

**Note- this was previously submitted and I was just directed back to the website that didnt work and to call the number where its only automated. This is the root of the issue. I need someone to look at this as there is a system error on the experian side that the website and phone are reporting different information.
Consumer complaint received 2022-02-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (FL)

XX/XX/XXXX letter from collection agency name, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX, Amount due : {$470.00} XXXX XXXX, letter was sent to verify such claim, XXXX XXXX letter was received from XXXX XXXX XXXX  to direct all communications to : Creditors, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Comenity Bank, XXXX XXXX. XXXX XXXX XXXX Including in the response were bills dated XX/XX/XXXX with the balance of {$200.00} with the late fee it adds to the amount of of {$470.00} dated XXXX.Letter was sent again for more verification of purchases date and name of store location and a copy of original bill with letterhead and my name on it.XXXX, response was received with the bill dated XX/XX/XXXX with the balance of XXXX as the original balance 1 month backward contrary from the previous bill date XX/XX/XXXX with amount of XXXX It was noted that in bill charges was added of {XXXX and @ XXXX XXXX in the same date at XXXX ' XXXX XXXX to make it total amount of {$100.00} XXXX balance. I noticed Parts of the bill were erased with ink and address to may old address where I left years ago.
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NY)

This is a complaint about checking my credit report to find unauthorized credit inquiries on my credit report that was not requested by me that Exquifax continues to verify. 
equifax mortgage service XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX,
Consumer complaint received 2022-09-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

USAA does not have the option to establish auto-payments for loans. This is a burden on all of its members since each person has to manually set up all the payments in advance and often causes late payments since it is not easy to pay. This is especially concerning because USAA serves military members who deploy and do not have the capability to check their bank account to set up a payment. 

This has been an issue for at least a year in my experience and I have been told by USAA that has been ongoing for a longer amount of time. They seem to not be making it a priority which is why I am submitting a complaint. As a future deploying service-member, it is unacceptable that this may cause me to go delinquent in my payments due to their system.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting Act. 

After notifying the company in writing and asking for verification of information on my consumer report according to 15 USC 1681 section 609 ( a ) ( 1 ) ( A ) that the consumer agency was reporting the wrong information. The agency said the information was verified and correct and even after asking for an re-investigation according to 15 U.S.C. 1681i 15 U.S.C. Code 1681 ( b ) permissible purpose 15 U.S.C. 1681 section 602 ( a ) right to privacy 15 U.S.C. 1681 section 604 ( a ) ( 2 ) 15 U.S.C. 1681 section 611 ( 5 ) ( A ) 15 U.S.C. 1681 section 611 ( a ) ( 7 ) & 15 U.S.C. 1692g
Consumer complaint received 2016-07-21
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK (MN)

I wish to File a complaint with Discovercard! I recently file disputes with all XXXX credit reporting agencies about discover reporting Neg Info on my credit Files.. Each time each reporting agencies would reply back saying that discover had Verify the account as reporting correctly.. So I reached out to Discover to see if we could n't get these issues taking care of.. I went back to XXXX / XXXX to obtain Old bank statements. And found receipt and sent them to Discover and They fair to respond back to me. I also spoke with XXXX a rep at Discover XXXX XXXX XXXX XXXX to set up Payments he stated to me that they he would Give me interest free payments if I made all Payment 's On time until the Debt was Paid off. It was a deal that I could n't refused.. I agreed and excepted his off. I asked XXXX once the Debt was paid in full with No missed payment would and could He have the account deleted from all XXXX of my credit file. XXXX told me he would have to speak to a supervisor and placed me on hold. for a long while He came back on the Phone and advised me that I would need to finish sitting up payment info and agreements! once that was all done a lady By the name of XXXX got on the Phone and stated that she would have the account removed from my credit file once the account was paid in full and That the payments were not late. So i contact Discover after the account was paid in full ands no missed payments they claim that they could n't have the account removed. Discover I gave you my word and made all Payments on time and I expect for you to do the same. But I know they got the money and now its we did n't agree to this! I will contact and lawyer if discover DO NOT HAVE THAT ACCOUNT REMOVED FROM MY CREDIT FILES!
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I recently looked at my credit reports and I noticed a few companies are reporting some late payments that are not accurate. I am requesting that the creditors remove or update any and all inaccuracies. 

Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2023-03-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (TX)

AFFIDAVIT COPY : Affidavit in Response to Request for Tracking Number PayPal , XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX As PayPal was previously informed ( See previous attachments to this dispute ), XXXX as a company did not inform me ahead of time that there would be shipping fees involved in returning a defective scanner. Their advertisements lead the customer to believe the buying process would be trouble free. Their entire approach to this product is false advertising. 

Therefore, I have NOT returned the product because XXXX will not pay for the return shipping. If XXXX will issue a PAID return label, like Amazon does, then in that case I will return it. 

If PayPal aides and abets XXXX in their schemes to defraud consumers then I will have no choice but to file false advertising complaints with all consumer protection and financial regulation agencies. And I will not choose PayPal credit for any future purchases. 

Regards, XXXX XXXX _ -- -- -- -- -- -- -_ -- -- -- -- -- -- _ -- -- -- -- -- -- -- -- -- _ -- -- -- -- -- -- -- -- -- _ AFFIDAVIT 2 COPY : Affidavit in Response to Request for " credit receipt showing details of the payment '' Case ID : XXXX XXXX XXXX XXXX & CEO PayPal , XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, This affidavit is directed to you personally in response to your dispute center team 's excessive requests of me to produce obscure, uncertain and unending items in a dispute resolution case. The most recent request for " credit receipt showing details of payment '' is vague and I am unsure exactly what PayPal is asking me to produce. 

The best response I have is a screen capture of PayPal credit 's own page pertaining to future payments due on the DEFECTIVE scanner. 

In view of the forgoing a credit to my PayPal credit account is due as a refund for the DEFECTIVE scanner. 

I see from the dispute case that XXXX has not even responded to PayPal regarding the DEFECTIVE scanner they sold me through FALSE ADVERTISING. 

The screen capture will be uploaded seperately. 

Regards, XXXX XXXX XXXX ; Attorneys General FTC XXXX CFPB
Consumer complaint received 2015-04-07
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I always pay my credit card on time. I logged in to see that my Bank of America credit card had a larger balance than normal. My initial response was to pay it off quickly. I then looked into the account further and found a fraudulent claim. The bank put a dispute in and gave me a new card. I also said that I had just made a payment and would like to have that sent back to my bank account. They told me they could not do that. What they could do was send me a check in the mail. They did this and I deposited the check. This was in XXXX, 2014. At the end of XXXX I had a mysterious charge on my credit card called credit readjustment. I called in to ask and they said they did not understand this and would investigate. Investigation, they said, should take XXXX hours. I had to call for over a month to see why no one got back to me. I wanted someone to contact me and explain. I had a folder on my computer filled with all of my statements so I was prepared when they called. No one ever explained except to say that they supposedly sent me a check, but also credited my old credit card account ( which I do not have access to see anymore because they gave me a new card ). I found this strange that they not only told me they were unable to issue me a refund, which is why they sent me a check in the first place, but also that it took them a month to tell me anything and I had to be the XXXX to follow up with them. Now I am unable to see my credit card account online and can not even pay anything off. I do not make a lot of money as I am starting my phd this fall and keep track of my money well. I can not afford to have a large charge come out of left field and no XXXX there is willing to even reduce the fee even though this was all their error to begin with.
Consumer complaint received 2023-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX account XXXX, XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A. States I have a right to privacy 15 U.S.C. 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions