davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AR)

EQUIFAX DATA BREACH HAS CAUSED PUNITIVE DAMAGES TO MY LIFE BY ALLOWING SOMEBODY PURCHASE HOME AT XXXX XXXX XXXX IN XXXX XXXX TEXAS XXXX AND KEEPS REPORTING IN XXXX XXXX XXXX AND EQUIFAX DATA BASES THIS IA FRAUDULENT PROBLEM.
Consumer complaint received 2017-09-25
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. (CA)

XXXX XXXX a collector for original creditor XXXX has recently updated/verified a collection account, account no. XXXX and done so wrongfully.The inaccurate negative information is appearing on XXXX, XXXX and equifax credit bureaus. 
When I originally received the service and phone I was satisfied.Shortly thereafter the screen broke so I contacted XXXX and XXXX replaced the phone with a refurbished phone for XXXX dollars.The refurbished phone worked for awhile but there was a problem with the charging port.I struggled with the phone for about a month until the phone was dead and wouldnt take a charge.I didnt want to pay another XXXX dollars to trade this phone and risk getting another defective one so I abandoned the acct and moved to another carrier.I was being billed heavily as I had added my girlfiend to this account which did not function properly due to the two defective phones.The phone service was only good in the beginning and the service deteriorated with the defects on the original phone and replaced phone.The carrier XXXX could not provide good adequate service due to defective phones and the charges to me are unfair and wrongful due to the poor service received.
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This complaint comes forth as I have tried to submit information that supports a dispute that I sent to Experian via USPS Certified mail. I am a victim of Identity theft and have contacted a creditors and Experian to dispute the fraudulent account reporting to my credit report, the creditor nor Experian has not responded to my request for investigation and they have failed to comply with FCRA section 609 which requires them to remove erroneously reported accounts and FCRA Section 611 which requires them to let me the consumer know when, how and who compiled the information of their investigation once I made them aware the accounts were fraudulent and disputed their claims and gave validation with law enforcement documentation.
Consumer complaint received 2023-03-23
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. (AR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$42000.00} XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$3400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$45000.00} This complaint is my follow-up complaint to make sure the accounts are thoroughly investigated.
Consumer complaint received 2020-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (FL)

I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX telling me to make my XXXX XXXX payment to them at a new PO Box number in XXXX, Tx. I mailed it to that box number, and, according to the photo I have of my canceled check under the Dovenmuehl number, they deposited it in their account at XXXX XXXX XXXX under XXXX on XX/XX/XXXX. 
When I called XXXX XXXX XXXX on XX/XX/XXXX at XXXX and spoke to XXXX, he looked up my new loan number, and told me I should pay my XXXX payment to Dovenmuehl, their former servicer, and the XXXX payment would go where it needed to be, but he could not say where or when that might be, or even whether they had a record of it. They dont have the Dovenmuehl number on their system. 
Then I spoke to Dovenmuehl at XXXX. They say they do not have my XXXX payment, and I have to send it to them ( again ). 
So no one has a record of my payment, even though I have the the date and the account number where it was deposited.
Consumer complaint received 2021-10-14
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: Financial Credit Network Inc (CA)

This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
Consumer complaint received 2020-08-29
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. (LA)

XXXX XXXX first reported a 30 late payment on my credit report to Experian, XXXX, and XXXX  on XX/XX/XXXX. I wrote all three credit bureaus a letter in XX/XX/XXXX stating that the statue of limitation had expired, showing them their historical data since XX/XX/XXXX, and asking them to delete the account because they're in violation of the FCRA because the account is still reporting on my credit reports which is causing me to be denied credit. XXXX, XXXX, and Experian allowed XXXX XXXX to re-aged the account even though their historical data shows that the first date of delinquency was XX/XX/XXXX. They allowed XXXX XXXX to report inaccurate information to their companies claiming that the first date of delinquency was in XXXX, refusing to delete the account from my credit report, stating that the account shall remain until XXXX ( 12 Years ) since the first month of delinquency. XXXX  then updated the account this month which caused my credit score to drop 51 points.
Consumer complaint received 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XX/XX/2020 ( I don't have specific dates ) my credit account with XXXX XXXX XXXX XXXX was no longer being reported to Experian and was removed from my credit report. Since then, I've been going back and forth with them and Experian letting them know the account was removed from my report and it needs to be reinstated. The account is open and I can use the card associated but it's not on my credit report. I keep getting the runarounds and I'm exhausted.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

So I requested to have my utliization stop being reported and requested to opt out and withdraw any and all authorization given to to report to a third party per law 16CFR313 the privacy of consumer financial information Rule under the Gramm-Leach-Bliley Act they refused and said I CAN NOT opt out and they will still report to the credit bureaus.
Consumer complaint received 2023-03-23
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)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX/2022 XXXX XXXX2022 XXXX XXXX XXXX/2022 XXXX XXXX XXXX XXXX XXXX2022 XXXX XXXX XXXX2022 XXXX XXXX XXXX XXXX/2022 XXXXXXXX XXXX/2022 XXXX XXXX/2022 XXXXXXXX XXXX/2022 XXXX XXXX2022 XXXX  XXXX XXXX XXXX/2022
Consumer complaint received 2020-07-20
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: NAVY FEDERAL CREDIT UNION (TX)

I have 5 hard inquiries that I have no knowledge of : XXXX  XXXX XXXX XX/XX/19 XXXX/XXXX  XX/XX/19 XXXX/XXXX  XX/XX/19 XXXX XXXX XXXX  XX/XX/19 Nay Fcu XX/XX/19
Consumer complaint received 2024-02-27
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. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-11-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 I called BofA Fraud department to alert them to a fraudulent {$700.00} XXXX transaction that had just occurred on my account. I alerted them within 30 minutes of the transaction. They told me that the transaction could not be reversed because it was a XXXX transaction. I had never sent the individual that received the funds previously and I alerted the bank to the fact that the transaction was fraudulent. They told me that I had to wait 10 days for them to do their " investigation ''. On the 10th day I received an email stating that my fraud claim was denied because " Our investigation found that the transaction in question was completed using a device that is consistent with previous valid account activity. '' They claim that I must have a virus on my computer, despite my telling them that I have XXXX virus protection and have scanned my computer multiple times.
Consumer complaint received 2020-10-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

I was contacted by an individual by the name of XXXX XXXX  via phone about the purchase of a vehicle. He sent me photos of the car and stated I would need to send a total of {$1000.00} for a deposit of the vehicle and then pay an additional {$1000.00} to complete the purchase of the car. I sent him a total {$840.00} on XX/XX/2020 via Zelle from my bank at XXXX  XXXX XXXX. I then sent the {$200.00} remainder of the deposit on XX/XX/2020 via Zelle again. XXXX stated he would hand over the car on XX/XX/2020. In which, he never showed up and never brought the vehicle that I had already paid the deposit for. He also stopped all further contact with me and blocked my phone number. I then realized I was scammed out of my money and of the potential car. To my surprise after researching XXXX, I found previous records that he is a felon and huge fraudster/scammer. He is in gang with 23 other individuals that sell stolen vehicles and scam individuals by never actually give them the cars such as myself. He has been to jail multiple times across the country for theft and related charges. I called XXXX XXXX  XXXX on XX/XX/2020 and let them know my entire situation and that I wanted to file a dispute of the transaction since I was a victim of the car scam in order to receive my {$1000.00} back. The representative at XXXX XXXX XXXX told me they would conduct an investigation, reach out to the bank XXXX has, and ask them to send the money back. After 20-30 days I called XXXX  XXXX XXXX back and they told me they denied my claim and I can not appeal any Zelle transactions that have already been denied. I was completely shocked and was told my next only option would be to file a complaint with www.ic3.gov and there there is no other help XXXX  XXXX XXXX can offer me to retrieve my money that I was scammed. I contacted the XXXX County police and filed a police report for theft or services against XXXX as well as a ticket on www.ic3.gov. The police are still looking for XXXX to arrest him but advised that I communicate with the bank on how I can retrieve the stolen funds. I was finally referred to submit this complaint on here to the CFPB as of today on XX/XX/2020.
Consumer complaint received 2023-03-23
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance {$0.00}.
Consumer complaint received 2020-10-28
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. (AZ)

SEE ATTACHMENT. I HAVE RECENTLY DELETED THIS ACCOUNT TWICE AND IT CONTINUES TO REAPPEAR ON MY CREDIT REPORT THUS BRINGING DOWN MY CREDIT SCORE. IT IS DISRUPTING ME TRYING TO BUY A HOUSE.
Consumer complaint received 2017-09-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Atlanticus Services Corporation (OK)

My husband and I both applied for a card with Fortiva separately and both got approved for 6 months no interest and a {$1500.00} credit limit. The company did not apply the 6 month no interest to my card and is now refusing to do so saying no I do not qualify.
Consumer complaint received 2021-10-14
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. (NY)

I sent out a letter with disputes to this credit bureau on XX/XX/2021 and again in XX/XX/2021 and the outcome from the credit bureau has been to update information on my credit report when they should be removing the tradeline for FCRA non-compliance.
Consumer complaint received 2023-03-23
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed much information or items which do not belong to me you are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these items : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$25000.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXXXXXX, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25000.00XXXX XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$650.00} ( Original Creditor : ) XXXX Balance : {$280.00} XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25000.00} XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXnquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2021-10-14
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: DFC Global Corp. (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2021-03-26
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Commercial Recovery Systems (CA)

On XX/XX/XXXX they called and left a voicemail stating they would take legal action if I dont respond. They then called my mom. I tried calling them to confront but no answer. 

On XX/XX/XXXX I answered and asked why theyre calling me and calling my mom. Theyre claiming I owe from a past debt still which Im pretty sure I dont. 

Regardless, theyre threatening to take legal action, calling me from Texas XXXX I live in California along where the loan was taken ) and also doing it during early ( XXXX my time zone XXXX pretty sure if they are real, they are doing it on purpose knowing Im 2 hrs behind. In addition to this, when I googled them online theyre being reported as fraud.
Consumer complaint received 2020-10-28
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: BMW Financial Services NA, LLC (CA)

From XX/XX/XXXX through XX/XX/XXXX, I had an active account opened with BMW Financial Services for my XXXX XXXX I had purchased through the dealership XXXX XXXX XXXX. BMW Financial Services reported an inaccurate late XX/XX/XXXX payment to XXXX, XXXX, and XXXX. My XX/XX/XXXX payment was due on XX/XX/XXXX and I purchased two money orders at the United States Postal Service on XX/XX/XXXX ( one payment for {$1000.00} and one payment for {$280.00} ) I was charge small fees for both money orders including a postage stamp to mail the money orders to BMW Financial Services. The total amount for this transaction was {$1200.00}. In addition, the two money orders were mailed by regular mail on XX/XX/XXXX and the {$1200.00} transaction shows on my XXXX  XXXX XXXX account statement ( under withdrawals and other subtractions ). On average it takes between 2-7 business days for regular mail sent from California to arrive to Ohio. BMW Financial Services has inaccurately noted that my payment was received on XX/XX/XXXX ( even though it was mailed on XX/XX/XXXX ). I have mailed money orders by regular mail prior to XX/XX/XXXX and I was not considered 30 days late. On XX/XX/XXXX, I filed a credit dispute directly with BMW Financial Services and they noted in their investigative report dated XX/XX/XXXX that they only received two payments ( one payment for {$1000.00} and one payment for {$250.00} ). Both of these amounts noted in their investigative report are incorrect as I have a copy of my BMW account statement for XX/XX/XXXX which shows the correct amounts ( {$1000.00} and {$280.00} ) was received. The XX/XX/XXXX late payment reporting made by BMW Financial Services has adversely impacted my credit scores with XXXX, XXXX, and XXXX.