davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-14
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: EQUIFAX, INC. (FL)

I settled 3 XXXX card accounts with a collections agency around on XX/XX/XXXX of this year. None of my reports updated so I submitted a dispute with all 3 bureau 's. XXXX  and XXXX updated my accounts within a week of my dispute as they verified with the collections and XXXX that my accounts were paid for and had no outstanding balance. 

Equifax on the other hand closed my investigation saying XXXX reported to them that I still owed money. I have paperwork mailed to me from XXXX saying the accounts are paid off as with the collections agency paperwork saying the same thing. The other two bureau 's verified this information. I also faxed my documents to Equifax. When I was told I still owed money, I asked if they had seen the paperwork I faxed. The lady had not and did not even know i faxed them anything. It appears that Equifax either did not do an investigation or is lying. I had to initiate a re-investigation with Equifax. I am not confident in this re-investigation as they seem to be grossly incompetent. I do not trust them to handle the simplest of tasks.
Consumer complaint received 2015-08-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (WI)

I have sent request for validation of debt. I have a certified mail receipt. Company has failed to respond in accordance to FDCPA guidelines. I have demanded the removal of the item with still no response. I would like the item removed immediatly.
Consumer complaint received 2016-05-18
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Direct Recovery Services, LLC (TX)

The company is owner of the note is dispute. and the calls at XXXX or the calls at XXXX are against the credit laws. The amount is incorrect on the note amount. 
I have not received any letters or other contact. They have indicated legal action or everything else about this. The company is not even the collection company the store indicated was the collector.I have tried to arrange a payment I can afford with in the beginning but without all of the other charges they are adding to it.
Consumer complaint received 2023-04-16
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. (AZ)

EQUIFAX is obligated by the FCRA to report accurate accounting, consumer has advised ALL the inquires were fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed, consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry was indeed authorized by consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature, consumer is NOT asking for e-Oscar report. If EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under SEC to follow certain rules. EQUIFAX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX I will be filling form 211 treasury omb forms to audit consumer account. EQUIFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Consumer complaint received 2023-06-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Dispute Department : According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify trough the physical verification of the original signed document contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account, I expect to see an original proof of the accounts that I am listing below. Your failure to verify these accounts may 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. Please verify and remove the following immediately : XXXX : XXXX XXXX  XXXX XXXX XXXX : {$820.00} comments : Not Mine XXXX XXXX XXXX  XXXX XXXX XXXX {$1200.00} comments : Not Mine XXXX XXXX Balance : {$1300.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$490.00} comments : Not Mine XXXX XXXX XXXX XXXX XXXX : {$19000.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$2400.00} comments : Not Mine XXXX XXXX  XXXX XXXX Balance : {$10000.00} comments : Not Mine XXXX XXXX XXXX Balance XXXX {$1100.00} comments : Not Mine XXXX : XXXX : XXXX XXXX  XXXX XXXX XXXX : {$820.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$1200.00} comments : Not XXXX XXXX XXXX Balance : {$1300.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$490.00} comments : Not Mine XXXX XXXX  XXXX XXXX XXXX : {$19000.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$2400.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$10000.00} comments : Not Mine XXXX XXXX XXXX Balance : {$1100.00} comments : Not XXXX Equifax : XXXX : XXXX XXXX XXXX XXXX XXXX : {$820.00} comments XXXX Not Mine XXXX XXXX XXXX XXXX Balance : {$1200.00} comments : Not Mine XXXX XXXX Balance : {$1300.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX Not Mine XXXX XXXX XXXX XXXX XXXX : {$19000.00} comments : Not XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$10000.00} comments : Not Mine XXXX XXXX XXXX Balance : {$1100.00} comments : Not Mine
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX Balance : {$200.00} ; XXXX  XXXX Balance : {$170.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$110.00} XXXX  XXXX Balance : {$300.00} XXXX  XXXX Balance : {$230.00} XXXX  XXXX Balance : {$420.00} XXXX  XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX XXXX Balance : {$230.00} ; XXXX XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$600.00} ; XXXX  XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$850.00} ; XXXX  XXXX Balance : {$2100.00}.
Consumer complaint received 2016-08-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

I 'm XXXX XXXX, Ive been trying to solve this problem going on a year now, since ive filed Bankruptcy XXXX and nothing is cleared off my credit, I filed Chapter XXXX and it was discharge, nothing has been remove from my Credit File, all XXXX Credit Bureau keep transferring my Information to each other,, and I also request that Fraud be remove from my Credit file and it has no happened, I 'm filing this complaint because I 'm getting the run around
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX XXXX {$0.00} ; XXXX XXXX  XXXX Balance : {$11000.00} ; XXXX  XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX  XXXX Balance : {$2400.00} ; XXXX XXXX XXXX Balance : {$42000.00} ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XXXX XX/XX/XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Balance : {$2000.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2019-02-28
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. (FL)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2015-08-03
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY (CT)

I have a credit card with Wells Fargo. At this time, I have three different promotional balance 's on my account. ( They offered special finance of 0 %, for 15 months XXXX Because they claim to apply extra payments to higher interest amounts XXXX, I mistakenly assumed they would add my extra payments to the promotional balance ending soonest. Having checked my last few statements, I see that is not the case. The majority of the money is being applied to the balances with the furthest out end date. When I contacted Wells Fargo, to inquire as to how I might stop this, so my extra payments will be used as intended, I was told that was not possible. I was told they had no way of applying the excess money to any one balance. When I pointed out that that is what they were doing, only in their favor, not mine, I just kept being told he knew how frustrating that must be! When I asked yet again, how I could have the extra money applied to those balances expiring first, he just kept telling me it was not possible. 
At this time, I have no interest charging amounts on this account, only these XXXX special finance balances, which are accruing no interest. I assume that is how they can get around applying the extra money to those amounts expiring the furthest out, but it still does n't seem right, because this will cause me to have to pay interest on these amounts, as they expire. If the extra money was being applied to those expiring first, each amount would be paid off before it expired, which was my intention. 
I would like to know if this is legal, and if so, why?
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

My husband and I, our credit report has been affected significantly because of Rushmore Home Loan misreporting a late in XX/XX/XXXX. After 5 phone calls, we finally received a letter from Rushmore addressing that our loan reflects a zero principal balance as of XX/XX/XXXX. However, per credit bureaus, they need a letter specifically specifying that we were not late in XX/XX/XXXX. Once we receive instruction from the bureaus we made another 3 phone calls to Rushmore customer service to let them know that we need a revised letter stating that we were NOT late in XXXX of XXXX, that the letter received from them reflecting that the loan is at XXXX balance as of XXXX is not been accept it by the bureaus. Per the customer service representative, a request to remove the late had been sent to the credit bureaus. We pulled our credit report on XX/XX/XXXX and the mortgage late still reflects on our credit report. Our fico drops from high XXXX low XXXX down to XXXX & XXXX and affecting to get a good interest rate on our refinance. Please help us get this situation correct it. 
We have been dealing with this situation for the past 5 months and Rushmore has only giving us the run around and affected our opportunity to refinance and get a lower rate on our refinance.
Consumer complaint received 2019-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I file a dispute with Capital One regarding a charge on my account in XX/XX/2019. 
Upon filing the dispute, I was advised that I may or may not receive a provisional credit on my account. After filing dispute with Capital One, the company that I originally had issue with, offered a full refund. They advised me of the time frame that it would take to receive refund. I called Capital One and advised them that the dispute had been resolved, and was advised not to close out the claim, wait until the refund was actually received and that Capital One would close the claim themselves. 

I received the refund from the original vendor I received a letter on XX/XX/XXXX from Capital One that I would be re-billed ( credit removed ) That same day, Capital One did a re-bill on my account. However, the representative gave me a credit rather than re-bill. 
I had also been told that I would automatically be eligible for credit limit increase in XX/XX/XXXX. 

I was never advised of any error, mistake, correction etc. 

On XXXX XXXX, 19XXXX, XX/XX/2019 I checked my account, I was preparing to pay account down. I made a substantial payment on my account XX/XX/XXXX. 

On XX/XX/XXXX, upon checking my account to verify the payment had posted, I was shocked to see Capital One had re-billed my account twice to correct the error made by Capital One ( human error ). Upon speaking with Capital One, I was told this action also done on XX/XX/XXXX, the same day my statement closed. However this action did not show up on app or capitalone.com. These actions caused my account to now be close to 300 % over credit limit and close to 100 point drop in credit score. 

I still have yet to receive any written correspondence from Capital One. 

I was in the funding process for my business. Unfortunately, Capital One 's error and has cause my business to not be able to qualify to the funding at this time. 

To and insult to injury ... .my has approx. 7-8 accounts
Consumer complaint received 2019-02-28
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: EQUIFAX, INC. (CA)

IT'S BEEN OVER A YEAR THAT I'M BE TRYING TO GET A CREDIT REPORT FROM EQUIFAX BUT NOTHING SEEMS TO WORK OUT THEY SEEM TO BE HIDING SOMETHING FOR THE REASON OF EVERY TIME I TRY TO VERIFY MY IDENTITY THEY ALWAYS GIVE ME THE RUNAROUND. I SEND THEM A COPY OF MY BIRTH CERTIFICATE ID GREEN CARD AND BILLS. THEY REPORTED ME DECEASED AND I FEEL THEY DONT WANT TO GIVE ME ACCESS FOR I HAVE A FRAUD OF IDENTITY AND THEFT I TRY SND TEY AND THEY JUST KEEP ON HOLDING
Consumer complaint received 2022-09-07
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. (CA)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX XXXX {$0.00} ; XXXX XXXX  XXXX Balance : {$11000.00} ; XXXX  XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX  XXXX Balance : {$2400.00} ; XXXX XXXX XXXX Balance : {$42000.00} ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XXXX XX/XX/XXXX XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Balance : {$2000.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2019-02-28
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. (IL)

had a car loan with XXXX XXXX XXXX in which was paid off XX/XX/2017 but showing XXXX owed and in chage off with all three credit reporting agencies. i have sent pay off letter from the bank Nd the title of the car i re ie ed from the bank. but they will not remove it from my credit report. the will not let me redispute it also
Consumer complaint received 2019-02-28
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: EQUIFAX, INC. (IL)

had a car loan with XXXX XXXX XXXX in which was paid off XX/XX/2017 but showing XXXX owed and in chage off with all three credit reporting agencies. i have sent pay off letter from the bank Nd the title of the car i re ie ed from the bank. but they will not remove it from my credit report. the will not let me redispute it also
Consumer complaint received 2016-10-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX and XXXX XXXX XXXX were the mortgage holders for my loan. I have a previous complaint against them ( Case number : XXXX ) with CFPB about the elongated sale that caused additional payments and delay in the closing of the escrow of my home. Now, I am unable to obtain an optimal loan because these XXXX companies are reporting late in my loan payments.
Consumer complaint received 2019-05-28
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 — Investigation took more than 30 days
Company: Onity Group Inc. (LA)

I had a Second Mortgage with Ocwen Home Loans. In XXXX I fell behind, not making payments in XXXX, XXXX, XXXX, XXXX., XXXX.,  XXXX. & XXXX. In XX/XX/XXXX I received a call from XXXX XXXX saying that the account had gone into collections. They wanted to know if I could settle the account, of course I didn't have the means. We agreed to a 2 year automatic bank draft commitment. The first payment in XXXX was for {$840.00} ; XXXX {$280.00} ; XXXX {$280.00} starting in XXXX the payments would drop to the original monthly payment of {$150.00}. After the 2 years were up, I just continued allowing the payments to be withdrawn. In XX/XX/XXXX I contacted XXXX XXXX and stopped the monthly withdrawl because I felt Ocwen didnt report the past 4 years correctly. 

At the beginning of XXXX Ocwen reported to the credit bureau that the loan was charged off with a date of XX/XX/XXXX, so of course it appears I havent made any payments in over 4 years and the loan was recently charged off. I filed a dispute and they removed the charge off date as well as updated the balance on the loan but they added a closed date of XX/XX/XXXX. Hasnt this loan been closed since XX/XX/XXXX? 

My husbands credit report looks different than mine, his shows the payments for the last 4 years. These payments were made to XXXX XXXX who supposedly doesnt report to the credit bureau. If XXXX is a part of Ocwen how could they write off the loan? I made up the 6 month delinquent payments in XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX. I think there are a lot of unanswered questions.
Consumer complaint received 2017-10-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (AR)

I recently looked at my credit reports and noticed that XXXX/XXXX XXXX XXXX .... reported negative marks 30 DAYS LATE on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 
According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance.
Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
In short, I never received such a warning notice!
I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve