davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synerprise Consulting Services, Inc. (TX)

Synerprise Consulting Services have contacted me regarding a debt that they claim I owe. I responded back with a certified letter stating that they need to either send me an original receipt or detailed documents containing the description in order for me to know for sure that this debt belongs to me. Repeatedly they send me back a simple response that they have verified the debt internally without proving me with further proof. I don't believe this debt belongs to me so if they are unable or unwilling to provide me with proof I believe that it is only fair for me to ask them to remove my debt from their account and to remove any negative reporting to the credit bureaus.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

Equifax has not updated my credit report, score nor have they remove or deleted any of the inaccurate information. I filed a dispute on XX/XX/2021. In regards to the incorrect items on my credit report and it has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2023-01-09
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. (NJ)

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

on XX/XX/2020 I mailed in dispute letters to Equifax, XXXX and XXXX. Regarding inaccurate information and clear violations of the FCRA 1681 AND 1681b I never gave any of the companies listed above WRITTEN CONSENT to furnish any of the accounts or information I'm disputing. This situation as cause me stressed and is slowing down my process of getting a home.
Consumer complaint received 2020-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION (PA)

On XX/XX/2020 I opened an online PENFED account, But I didn't know it would be a hard pull in my credit report. This information is not transparent to the user. If I knew that it would be a hard pull, I wouldn't be decided to opening the account there. 
My credit has been reduced and my bank credibility has been affected. 
On XX/XX/2020 I applied for PENFED a credit card using the opportunity that my credit score will not suffer anymore. ( when applying for less than 30 days, the bank does not do a hard pull a second time ) I will add that I have a perfect credit history. ( attachment ) However, on XX/XX/XXXX, I did not get approved for a credit card One of the reasons is too many credit inquiries.

Other reasons also make no sense ( attachment ) Penfed Credit Union acts to the detriment of the customer they first weaken people 's credit scores later they refuse cards for a person with a perfect credit history
Consumer complaint received 2022-09-18
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: E Mortgage Capital, Inc. (CO)

On XXXX XXXX ( XXXX XXXX XXXX made an offer on a home at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, I also stated to the lender XXXX XXXX XXXX Mortgage that I would need down payment assistance. The offered-up XXXX XXXX had a program for me. Through the course of the Loan Process i have asked XXXX XXXX on his recorded line do I need to get closing costs, XXXX stated that Fannie Mae would take care of all closing cost. I believe I have had XXXX different mortgage companies over the past XXXX weeks. I pulled my XXXX money to pay for the Appraisal, Home inspection, and XXXX money, I borrowed XXXX from my parents and when I received XXXX monies i returned the XXXX back to my parents. My original date to close was XXXX, but due to a form not being filed it was pushed to XXXX no explanation given. During this whole process i continued to ask XXXX if I were going to need any monies for closing, he assured me I would not. On XXXX XXXX XXXX from XXXX XXXX emailed me and stated i would need XXXX for closing costs, and XXXX in reserve and show proof of how monies were obtained, before closing on XXXX. I have emails between myself and XXXX locking me into a XXXX XXXX XXXX, XXXX XXXX he has me Locked in at XXXX XXXX. I have documents showing i signed a XXXX XXXX  loan estimate. I also have the XXXX XXXX estimate unsigned document. XXXX stated in an email that i am now at XXXX XXXX he needs to provide that documentation. Over the course of the XXXX weeks i have watched my loan payment grow by almost {$600.00}. i was instructed to take a XXXX XXXX course in the course there is a XXXX calculator after doing it XXXX XXXX said i was only eligible for XXXX dollars, my purchase price for this home is XXXX. I can not come up with the XXXX closing cost, and the XXXX in reserve in a three-day period. an in accordance with XXXX XXXX I should not even be buying this property. I have been given misleading information this whole process, i have emails and correspondence to back up my claim, XXXX uses a recorded line when you call his office.
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To Whom It May Concern : On XX/XX/2020, XXXX, TransUnion, and XXXX  are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR XXXX  1. you are reporting 3 different dates of last activity/Date of last payment/and Date Open XXXX XXXX   Account Number : XXXX Delete this account for reporting inaccurate information. 
2. I was never late on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. the date 's of last activity are inaccurate XXXX XXXX XXXX   Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

FOR XXXX  1. you are reporting 3 different dates of last activity/Date of last payment/and Date Open XXXX XXXX   Account Number : XXXX Delete this account for reporting inaccurate information. 
2. I was never late on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. the date 's of last activity are inaccurate XXXX XXXX XXXX   Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

FOR TransUnion 1. you are reporting 3 different dates of last activity/Date of last payment/and Date Open XXXX XXXX   Account Number : XXXX Delete this account for reporting inaccurate information. 
2. I was never late on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item.
Consumer complaint received 2021-11-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2021 I opened an account at TD Bank located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. To fund my account I had my debit card from XXXX & XXXX & personal check from my XXXX Account & A check that my uncle endorsed to me ( {$15000.00} ) to deposit into my account. I attempted to take {$200.00} out of the ATM but my card got stuck in the XXXX. At that time it was a quarter to XXXX and I needed to get to XXXX & XXXX to get a replacement card. I had to eventually make the deposits by atm which I didn't want to. During this time I was in process of going through a divorce and had to put a stop payment on my personal checks I wrote, being my ex wife had withdrew all my money out my account without my consent and take all my money so only my personal check ended up coming back but the endorsed item didn't. So because of that they decided they were going to close my account which I didn't agree with but they did on XX/XX/XXXX. The endorsed check posted and cleared on all ends I owed TD a little over XXXX XXXX dollars and my remaining balance was {$14000.00}. So on XX/XX/XXXX my money was transferred to a internal account. I called and even visited two different branches they told me XXXX closed my account. contact them which I have done concisely and haven't got a return. I call TD Bank fraud line weekly and than me the same I need to speak to demarketing whom had yet to reach out I haven't even
Consumer complaint received 2021-05-04
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-04-01
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

I had a medical bill from XXXX XXXX center for {$150.00}. I had paid this bill already, but it showed up on my credit report as a collection. After arguing back and forth and not being able to find record of the payment, I paid it again but they refused to remove it from my report and changed the status from a collection to a late pay! XXXX XXXXXXXX XXXX is how its listed on my credit report. I called Experian and told them to remove the entry and they said they could not because XXXX and XXXX XXXXXXXX XXXX  both had it coded as something other than a XXXX ( XXXX  ). 

I called XXXX several times and they promised to return my call ( s ) and never did. 
This has been going on for nearly an entire year! consequently, I've been denied credit on several occasions due to this issue. I would like resolution ASAP. 

THANK YOU
Consumer complaint received 2020-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc (CT)

I had two memberships with The XXXX XXXX in XXXX ct. I went to the gym to cancel the memberships. They said I needed to contact ABC Financial. I called many timeS and was out on hold. I never was able to speak to someone. I then sent an email on XXXX. I canceled a gym membership with ABC Financial for XXXX XXXX. They gave me such a hard time ( I have email proof ) that I told them not to charge my card anymore. They continue to send me texts requesting payment. I contacted them again XXXX and they are again giving me a hard time and trying to continue to charge me. I sent a screen shot of my email from XXXX to not charge me and cancel the membership. They then stated they will not cancel until payment is made but I do not owe them any money. I canceled back in XXXX and requested never to be charged again. They havent charged me but they are continuing to bill me and are harassing me for payment. I have not attending the gym since COVID back in XX/XX/2012.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports and needs to delete immediately : XXXX-Date of inquiry XX/XX/2020
Consumer complaint received 2021-07-08
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 (FL)

Disputed charges for services that I never received. Contacted capitol one several times and upload all necessary documents within the time limit. Now they are telling me that it's too late and they can't help me. Spoke to XXXX, and she told me that there is Noone to speak to regarding this dispute
Consumer complaint received 2021-05-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (FL)

XXXX XXXX of Caliber Home Loans XXXX XXXX  # XXXX ) rushed me through the refi and closing process and missed key information I shared with him around the intent of sale of a one of the lots within my XXXX property. He never assisted in getting the lot released. The sale ultimately fell through and I am now being forced into the partial release process and required to pay processing fees, appraisal fees, etc. XXXX included the lot in the appraisal making it impossible to sell. XXXX is very unprofessional and to my surprise, not very knowledgeable about the mortgage process. He was asking me personal questions around what I would do with the money if he were to get the propery released for me, including saying things like " I better not buy jet skis with the profits '' I've filed a complaint with Caliber but nothing has been done to date.
Consumer complaint received 2021-07-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (NC)

I have been trying to remove this account from my report. I have tried to do factual disputing but I never hear back. I tried doing so in XXXX and XXXX and XXXX. This is only listed on XXXX or XXXX not on XXXX.
Consumer complaint received 2022-04-01
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. (SC)

My name is XXXX XXXX and I am submitting this complaint against Equifax Information Services, LLC. There is no third party involved in this complaint. I am demanding that Equifax Information Services, LLC provides me with a copy of my written instructions that states I would like for their consumer reporting agency to furnish these fraudulent accounts. I am requesting that Equifax Information Services, LLC provides me with their method of verification used to " verify '' the alleged accounts. According to the Fair Credit Reporting Act, Equifax Information Services, LLC has violated my rights under 15 USC 1681b ( a ) ( 2 ). The accounts listed in the exhibit attached need to be deleted from my consumer report immediately. Equifax Information Services, LLC have failed to provide me with proper verification, nor do they have written instructions or consent to furnish these fraudulent accounts.
Consumer complaint received 2020-05-23
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

2. I see 30 late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2018-07-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I opened a Bank account with Bank of America about 2 years ago, shortly after opening this account I was the victim of theft of my iphone, " phone case wallet '' ( containing my cards ) and my identification cards. I fell ill a few months after the robbery, and was hospitalized when Bank of America called me about my account. I received the messages after I left the hospital and returned their calls to find out my account was closed. Considering how little I used the account I let it be. I tried to open a XXXX XXXX account last year only to be denied due to a negative report from XXXX on my consumer report. I followed all of the directions given to me by both Bank of America and XXXX. I sent in a police report of the theft of my personal items which was the cause fraudulent activity on my account to both Bank of America by mail and to XXXX by Dispute. I have made at least 4 disputes to XXXX and I sent a XXXX dollar bill in the mail I sent to Bank of America with the police report they specifically requested for the removal of my name from XXXX. I called the risk department 2 months after mailing in to BOA and they claimed they never received my report and money. XXXX has also failed to send the information to BOA as promised and have simply denied my disputes. I am a student and this report is destroying my credit and life, which is unfair because I am the victim of fraud. I really need this issue resolved as soon as possible. It has been an active dispute situation for about six months with no progression on any end.
Consumer complaint received 2017-12-18
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

im a XXXX veteran, my home has a {$8000.00} foundation repair issue i have been trying to get help from bank of america an the department of veterans affairs, the past " four '' years i have gotten no help from either agency ... ... ... ... .. 

i about to loose my home an they are refusing to give me relocation assistance, to help help me with my move,,,,,,,,, ,my foreclosure sale date is X/X/2018 i have no where to go, i have no help .... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, il XXXX XXXX ( XXXX ) XXXX cell
Consumer complaint received 2023-01-09
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. (NJ)

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America is transferring calls to a Claims Department that doesn't answer the phone or says it is closed during their open hours, preventing me from addressing an ongoing credit card dispute. This morning I have been transferred by a live agent and also by their menu options to only be left on hold for over 30 mins and then disconnected or not connected at all.
Consumer complaint received 2018-07-26
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. (AL)

I have attached a letter received from transunion with multiple names which means the report is wrong under fcra.i also received a letter from transunion saying verified as accurate.This account does not belong to me and I would like to know how did you verify this account with 5 different names on my report.what name did you verify this account belongs to me.According to fair credit reporting act section 609 ( A ) ( 1 ) ( a ) they are required by federal law to verify through physical verification of the original signed contract any and all accounts you post on a credit report.I am demanding to see verifiable proof an original signed contract with my signature on it you have on file of the account from XXXX XXXX.I want proof attached to this complaint
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Reference Credit Report # XXXX Equifax has continued to erroneously report the following items on my most recent credit report. Some of the items mentioned have been previously disputed and unmodified at all by Equifax. 

1- XXXX XXXX XXXX - XXXX ( balance showing on report XXXX ) - this account has been paid off with XXXX balance as of XX/XX/XXXX, yet 5 month later Equifax is the ONLY agency that continues to report that I have a balance with this company. XXXX XXXX XXXX has verified with Equifax and myself that there is no balance due on this account as of many months ago, but Equifax will not update the files 2- XXXX XXXX XXXX XXXX ( as of XX/XX/XXXX shows balance of XXXX ) - This account was papid and closed by consumer in XX/XX/XXXX.  However, Equifax will not update the file to show such XXXX balance. XXXX is reporting a XXXX  balance and account closed by consumer on all other credit agencies, but Equifax has not update data. This account should reflect a XXXX balance 3 - Inquiry - XXXX - Unauthorized inquiry that should be deleted 4 - Inquiry - XXXX - XX/XX/XXXX - Unauthorized Inquiry that should be deleted ***These inquiries were not made by me and neither was i notified of such.