davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

FOLLOW UP TO PREVIOUS DISPUTE I am still waiting upon a resolution and a response from Equifax regarding a strange " loan '' appearing on my credit report labeled XXXX XXXX account number is XXXX .... 
This is an unfamiliar account which I have been disputing with just Equifax and I have had zero response since my initial dispute from my letter sent out in XXXX and then challenged the account again here on the CFPB portal in XXXX because I am concerned about my student debt rates that will be affected by this inaccurate account. No remarks have been placed on the account that this item is being disputed by the bureau, no information is available from Equifax or any monitoring company regarding who and what this account is in reference for and to whom I may contact for verification. 

I have never held an account with XXXXXXXX XXXX and I am not even sure what a Loan is from XXXX XXXX. Without validation, contact information or proper month to month status information how is this being reported towards my credit? This certainly was not verified and I feel as though a dispute was never entered because none is indicated nor have I received mail regarding the results or whom to contact. Please remove the account permanently. I don't understand why I am waiting so long for a resolution here. good XXXX it has been 3 months and I have no resolution and I keep being told to wait on a response ....
Consumer complaint received 2023-03-10
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (UT)

This debt is paid with a settled amount of {$1800.00}. I have been told by numerous agents that as soon as the payment processed from my bank account, they would send an automated email with a receipt of payment. I have called them 8 times from XXXX and continue to be given different information by each agent. They have processed my payment and have told me they show a {$0.00} balance on their end but will not provide me with an email showing I have paid this debt. 

I have been told I need to wait longer, I need to wait until XXXX ( XX/XX/10 ) by Noon, to call back at a different time, that the email was coming today, there is no one who can just use a company email to send this information, a different department handles the emails but I can not talk to that department because they dont handle phone calls, and then most recently have been told that their systems are down and they can not provide me with a letter. 

I legitimately am just asking for proof that they have received the payment I have made. I have attached a photo of my bank statement showing the payment has processed.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LEXISNEXIS (CA)

I have received multiple inquiries from payday loans on my clarity report. Someone seems to be searching to use my identity to acquire credit. Please remove all inquiries issued from XX/XX/2023. Screenshots are attached of the unauthorized inquiries. I also attached the identity theft report previously filed related to my id theft filing
Consumer complaint received 2018-07-25
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. (GA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, Georgia XXXX SSN : XXXX | DOB : XX/XX/XXXX Trans Union XXXX   XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, PA. XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXXXXXX XXXX  XXXX XXXX Unverified Account XXXX XXXXXXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX xxxxxxxxxxxxx XXXX Unverified Account XXXX XXXX XXXX xxxxxx XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXX XXXX XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXX XXXX XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXX XXXX XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Unverified Account XXXX   XXXX XXXX Unverified Account XXXX   XXXX  XXXX Unverified Account XXXX XXXX XXXX Unverified Accou XXXX XXXX XXXXXXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX XXXX
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Receivables Performance Management, LLC (CA)

I found out on XXXX that I had an outstanding bill of {$76.00}. I called XXXX, who had the debt originally and inquired about the bill. I had no idea I even had this debt. No phone call nothing. I paid the debt immediately. Once I paid it everything is closed. I saw that the collection agency XXXX uses is RPM collections. I called to inform them that they are reporting to Equifax a debt of {$150.00}. It was exactly double of the original bill. I called to ask about it. No one knows anything. XXXX says call XXXX and XXXX says to call XXXX. So far no one will help. They are still reporting that I owe this money. The debt of {$76.00} was paid on XX/XX/XXXX18. Immediately the {$76.00} came off the credit report. But it shows that XXXX is still reporting it only the amount is the {$150.00}. I've asked for them to please research but they say it's paid and nothing shows. When the customer service rep looks it up they have the wrong address attached to my name. Neither side have even attempted to help until I spoke to XXXX again on XX/XX/2018. They said that they would look into it and might call me in 2 days. I've heard nothing. I've called many times. Won't give me a letter of paid in full either so I could handle it myself.
Consumer complaint received 2020-02-27
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (NJ)

Two fraudulent account named XXXX XXXX were opened with my information at Lowes and XXXX XXXX. In both cases, I contacted the stores when I received a notice about these accounts in the mail at my home. For the Lowes account, in XX/XX/XXXX I called the store that items were ordered from and told the store that I did not order them. Then for the XXXX XXXX account, I called again in XX/XX/XXXX as soon as I got the letter about the accounts being opened and was also told that it was a mistake and not to worry about it. Now, two months later I have many bills from both stores and they both say that they have my information including ID that was used to open the accounts.

Lowes : They said that my claim for fraud was not valid and the amount is {$9700.00} XXXX XXXX  : My fraud claim was re-opened and the amount in question is {$4800.00}
Consumer complaint received 2021-05-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XX/XX/21, I contacted Customer Service for assistance since I was unable to pay my XXXX mortgage online. Based on at least two different explanations from representatives, and no response from the analyst handling my account XXXX XXXX XXXX XXXX, I was finally able to reach a manager ( XXXX ) to assist me. However, she hasn't been able to assist me further since she's gotten no response/follow-up from XXXX XXXX since XX/XX/21. I was informed by her the reason my account is locked because the partial payment documentation from HUD I signed sometime in XXXX last year didn't have a notary seal @! @! 

Once again, this is totally unacceptable for a customer to experience a lack of follow-up on a resolution that appears to be relatively easy to resolve. I hope that you're able to assist me in finding out what needs to be done and completed so that I can once again access my online account.
Consumer complaint received 2020-06-04
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. THESE ACCOUNTS ARE FRAUD
Consumer complaint received 2021-06-30
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

please check the following accounts, which appear on my credit report, without any authorization, do not belong to me Identity Theft XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.
Consumer complaint received 2020-11-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (MD)

I am in the process of refinancing my home with a VA IRRL. I began the process at the end XXXX with XXXX XXXX at Lakeview XXXX # XXXX. I have requested NUMEROUS updates and received nothing until XX/XX/XXXX. I was notified on the XXXX that my loan was approved and that I needed to hurry up for closing on the XXXX of XXXX. I was never updated on the status of my file prior to that. Under ECOA I should have be given some type of disposition within 30 days of application ; that NEVER happened. On the XXXX the processor cancelled my closing and has yet to provide me with an update for rescheduling my closing. I have left messages for the processor, processing manager and loan officer 's manager ; NO ONE has responded. The loan officer suggested that I contact another lender. I can only assume that this is avoid additional costs that they don't wish to incur as a result of the delays. 
It is unfortunately these types of transactions that give lending a bad name. I hope that someone takes this more serious than Lakeview has done. My loan # XXXX These delays have cost me the ability to save on my rate as pricing has changed since XXXX and they are not willing to close my loan due to errors on their part that we cost them money. 

thank you
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to request the removal of a collection account from my credit report with Experian. I have recently discovered that this collection account has been successfully removed from my credit report with XXXX XXXX XXXX XXXX and XXXX XXXX, as evidenced by the attached document. 

Account Details : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Collection Account Date : XX/XX/2022 Creditor Name : XXXX XXXX XXXX Account Number : XXXX Collection Account Date : XX/XX/202XXXX XXXX
Consumer complaint received 2021-11-11
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. (CA)

I mailed a dispute letter via Certified mail regarding several erroneous accounts showing on my credit report on XX/XX/XXXX. It is now XX/XX/XXXX and I have still not heard back from the Experian Regarding these disputes. 

Per the FCRA laws, Experian must complete their results within 30 days of receipt of my dispute letter.
Consumer complaint received 2021-06-30
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 (TX)

As ofXX/XX/XXXX-XX/XX/XXXX, I noticed several fraudulent inquires on my credit report. I have called all 3 credit bureaus to dispute these inquires. Company names are as follow ; Capital One auto finance, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have not authorized these companies to run my credit. I was approved through XXXX on XX/XX/2021 for an auto and I made my first payment on XX/XX/2021. I would like for these inquires to be removed immediately, thanks in advance.
Consumer complaint received 2017-12-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (LA)

A payment for XXXX that the Westlake Financial commando took from my account on XXXX XXXX, 2017, has not been accredited, I have written emails, without receiving any response to my request to credit the  missing money, I have called and they just tell me that in the next week they will credit it and nothing happens, I do not receive an answer, 6 months ago, and they charge me excessive interest charges, it is not the first time and two more payments have not been accepted, but those were solved, but This payment is pending. My initial credit was {$18000.00}, I paid {$8900.00} in one year and only {$4000.00} has been credited to my account. I think it 's an abuse on the part of this financier. I hope you can help me, thanks
Consumer complaint received 2023-06-10
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-11-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (CO)

I closed on a cash-out refinance on XX/XX/XXXX. The disbursement date was to be XX/XX/XXXX. I received notice on XX/XX/XXXX that my loan had funded ( 6 days late ). Though my original loan was paid off by the refinance, I sit here on XX/XX/XXXX without my cash-out funds. I have emailed my loan officer, called several times, called his manager, and called customer service. I have yet to receive a call or an email back from my loan officer or his manager. I don't know what else to do. 

The company is Loan Depot. 
The mortgage amount was {$160000.00}, and the cash-out portion was to be {$96000.00}.
Consumer complaint received 2017-12-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (AK)

Coinbase is a online stock trading application, that evolves around etherum, lite coin, and bitcoin trading. I deposited about {$320.00} Onto the website to buy bitcoin currency. The currency once purchased, I withdrew to put the amount I earned into the companies holding account to deposit into my bank account. The amount on that account was a residual {$300.00}. So I have lost about {$17.00}. The amount I had for bitcoin was {$2.00}, etherum was {$.00}, and litecoin was {$.00}. I have emailed the company around 25 times within the past 2 months to return the valued currency to my bank account after 5 failed attempts of the company sending verification charges to my banks savings and checking accounts. The frustrating part was, each email sent was ignored, and every phone call they received from me, was immiedietely sent back to the prerecording message stating to further get in contact with them, submit a request and send them an email online. With the end of the second month of no reply, my account apparently glitched up and lost all the currency held upon it. I signed into the account, and it told me that it didnt recognize my device. So I changed the password to the account, reauthorized my phone with a sms code sent to my phone via text message, then it wanted me to repeat the process. That I did, and got a message stating to many login attempts. So I fell asleep, woke up the next day, and all the funds were gone. No funds in each currency, or even in the holding account. The main question I have, is if our funds are backed by the FDIC to fully show that our losses arent gone by just being in a holding account. Why is it that I couldnt fully withdraw all my funds from every currency, and withdraw all the funds from my holding account, and deposit into my bank, but some random reason all my currency disapears within 2 hours. Seems fishy that the company is probably holding my funds without me knowing of the location. If more information is needed, I can provide bank statements of the deposits, and that no money being sent to my account. I only use XXXX and bank. But my bank is still not authorized with their company.
Consumer complaint received 2017-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

Something has happened to my account. 
On XXXX XXXX, I lost my purse, which included my phone and my wallet. I contacted the bank on the to cancel my account. Since I no longer had a job anyways, I decided I would n't be opening another account. I was going to have to make arrangements for my checking account because it was over drawn. I was advised that I would need to visit a branch to do that, and at that time I closed out my savings account as well. I no longer have access to the accounts online and no one will answer any of my questions on the phone as to : A ) Why and how both accounts are right at or more than {$500000.00} overdrawn B ) Why did I get a statement on XXXX XXXX advising me that they were closing out all XXXX of my accounts. 

I do n't know what has happened or how any of this has happened, and now I 'm running into problems verifying my identy online with ANYTHING XXXX XXXX  XXXX, even the XXXX XXXX Please help!
Consumer complaint received 2022-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


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 XXXXXXXX
Consumer complaint received 2018-07-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (TX)

i received a check back in XXXX that was misplaced in my files from cfpb v Amerisave Mortgage corporation in the amount of XXXX this company was the first company that had my loan back in XXXX. 
when I dialed the number on the check, it has been disconnected and is no longer in service. XXXX when I looked on line and dialed XXXX I was advised by XXXX that my check could no longer be issued.. I am looking to resolve this matter as I am still owed " MY '' money from federal lawsuit in which I was affected as a consumer at the time. 

please advise
Consumer complaint received 2022-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Yes Captial One closed 2 of my credit cards because i added my 4 kids as authorized users. once i sent in their ID and ss card they came back and still closed my accounts but later on i applied and they open 2 new accounts so i haven't added no authorized user to those accounts, but the palatium secure card i deposit XXXX XXXX and has yet to receive my XXXX back in a check form. But every time i spoke with a agent they mention it was sent out but today i called now they say that i cant get my XXXX back. I need my XXXX i made on the secure card ending in XXXX. The saying the account is restricted but never made any illegal transaction. They closed it because i email the CEO over XXXX times asking why i cant get a line of increase over the 3 years i been with them then i send the information they ask for they still close accounts. I JUST WANT MY {$200.00} BACK IN A CHECK FORM ASAP OR I WILL FILE A LAWSUIT AND SUE FOR MORE AND ATTRONEY FEES.
Consumer complaint received 2024-09-15
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (VA)

I have made XXXX calls requesting the decision letter concerning dispute : Case ID : XXXX Dispute Amount : {$630.00} Date Submitted : XXXX I have attempted to retrieve electronically and have also requested via mail. This communication is a 3rd request for this letter. Preferably I would like it emailed to me at XXXX and XXXX. 

Please follow up with me promptly as I understand this letter that I have been requesting since XXXX will not be available after XXXX  years. 

Thank you, XXXX XXXX XXXX