davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

We sent our final payment for the Infiniti auto loan when we sold the vehicle. The company that bought our XXXX XXXX  paid the payoff in full, but we already had our monthly payment scheduled through the online bank. Infinity cashed this amount of {$570.00} and refuses to refund it. Our bank confirms that this account was posted and withdrawn by Infiniti on XX/XX/XXXX. We called a number of times and receive different answers from Infiniti, and they are still refusing to send us our money back.
Consumer complaint received 2019-05-28
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: EQUIFAX, INC. (CA)

The only address I have lived at is XXXX XXXX XXXX XXXX. I have not lived at the other address listed. 

I also was never employed at XXXX. 

I have never opened a XXXX XXXX Account which states that one payment was made and the account is closed.
Consumer complaint received 2020-11-18
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: CAINE & WEINER COMPANY, INC. (CO)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2020-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-05-06
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. (GA)

I send Equifax a certified letter identifying in the letter that the accounts are not mine and to please send me documentation that these accounts are mine or take them of my credit report ASAP! I got a letter backing saying that they receive my certified letter but can not find a credit file that match the information.Bare in mind I send a copy of my drivers license proof of address Social Security card etc.I sent out another certified letter ASAP I received a next letter saying they receive my certified letter but cant find my credit file again now this is going on for approximately three months! I call the phone number on the letter and spoke to an agent who answer the phone and said please provide me with your information to find your credit report I provide the agent with my personal information which the agent alerted me that she found my report and proceed to ask me how can she help I told her I have been sending Equifax certified letters explaining that their are a few accounts on my report that are not mine, she ask whats the name of the account I gave them to her she then told me that they spoke to the creditors and the creditors said the accounts are mine I said can you please send a copy of every document that I sign showing these accounts are mine? ( She said no ) I said to her in that case Equifax need to take them of my credit file ASAP! She said they cant I would have to contact the creditors I ask did the creditors put those accounts on Equifax data base I then explain to her that I have to provide for my family and with these accounts that are not mine are making it harder for me to provide for my family.She said is nothing more she can do for me and the phone call ended. Equifax need to held accountable for negative information on my credit file they I love this to happen without proof or documentation. I need these false accounts to be removed by Equifax.
Consumer complaint received 2019-05-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Continental Services Group, Inc. d/b/a ConServe (GA)

On XX/XX/XXXX I contacted via telephone company ConServe, a Debt Collection Agency located in XXXX, New York that I did not owe a debt to the US Postal Service. ConServe has also " reported '' this information to all 3 Credit Bureaus and the US Treasury Department ( IRS ) to take any " tax refund ''. I explained that I had information that the Judicial Officer of the US Postal Service, Chief Administrative Law Judge XXXX XXXX ruled " twice '' in the year XXXX that I " DO NOT '' owe the US Postal Service. 
On XX/XX/XXXX I was told by ConServe employee that once the information is received by fax they would investigate. To date ( XX/XX/XXXX ) the deragotory information is still on my credit report and ConServe still calls my cell phone number. I need the information deleted from all three ( 3 ) Credit Bureaus and from the US Department of Treasury for the IRS to take my tax refund.
Consumer complaint received 2020-09-20
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. (FL)

XXXX  XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXXXXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX  ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

According to CFPB Ref No : XXXX, XXXX sent a request to delete the hard inquiries, dated XX/XX/2020, XX/XX/2020, and XX/XX/2020 in which CRAs must take less than 90 days since XX/XX/2020 to update my records. At the moment of filling the claim, XX/XX/2020, Experian still reports falsify information about these hard inquiries.
Consumer complaint received 2020-09-20
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. (OH)

Re : Method of Verification Request To Whom It May Concern : I was NEVER LATE ON THESE ACCOUNTS XXXX  XXXX XXXX : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. 
Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the  accuracy and completeness of the information shall be provide to the customer by the agency, including the business name and telephone number of the furnisher. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy of the completeness of the information. 

Name, address, and telephone numbers of each person contacted regarding this alleged account was late. 

Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

The item in question is inaccurate and represent a very serious reporting error. I expect a to receive RESPONSE IN 15 DAYS of receipt of this letter in compliance with the FCRA. If not, I expect these late payments to be corrected in my credit files. 

Please make sure to provide Method of Verification and process used with documentation.
Consumer complaint received 2017-08-01
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: EQUIFAX, INC. (NJ)

XXXX-2017 I XXXX XXXX contacted equifax and XXXX  about unauthorized inquiries also put a fraud alert on my consumer report. XXXX-2017 i called to inquire again about the inquiries to no avail I was rudely told they could not be removed. XXXX-2017 I contacted equifax and XXXX in a final attempt to get them removed. I spoke with XXXX and a rep from XXXX who said they would dispute all inquiries instead for an authorized one from XXXX XXXX made on XXXX/XXXX/2017.
Consumer complaint received 2020-10-21
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (CA)

AMERICAN HONDA FINANCE XXXX  This account is current however my credit reporting is inaccurate as the account is being reported as delinquent and charged off. This is preventing me from getting the credit I deserve and needs to be updated right away.
Consumer complaint received 2017-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I wrote two letters to this company last XX/XX/XXXX and again last XXXX XXXX, 2017 to dispute incorrect and inaccurate information on my credit report. They are claiming that they did their investigation but there incorrect and inaccurate pieces of information are still on my credit report. They are reporting unverifiable information from my credit report and it has been more than 30 days and no lawful action has been taken. I have enumerated all the items and what 's making these items incorrect and inaccurate on those two letters. Today, I am writing them another letter which is attached to this complaint.
Consumer complaint received 2020-09-02
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. (UT)

XXXX  XXXX acct # XXXX Is reporting an account on my credit file that is not mine. I requested to be removed off this account a long time ago. I never signed any documents to be added on this card and it was in error. I am requesting for this account to be removed off my credit.
Consumer complaint received 2020-05-17
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. (MI)

I requested a credit report from each of the three major credit reporting agencies ( CRAs ) in XXXX of 2020. On review, I noticed that Equifax was reporting an incorrect date of birth ( the other two CRAs had my correct DOB ). As a result, I opened an online dispute with Equifax ( Confirmation No. XXXX ) on XX/XX/2020, asking them to correct the error and supplying them with my correct DOB, and with a copy of my drivers license showing my correct DOB. After waiting 60 days for a response and not getting one, I again visited the Equifax website and saw that : ( 1 ) they had opened and closed my dispute on the same day, and ( 2 ) that they had not corrected the error. Consequently, I filed a new dispute with Equifax ( Confirmation No. XXXX ) on XXXX, 2020, again supplying them with my correct DOB and a copy of my drivers license showing my correct DOB. In less than 24 hours, I learned that Equifax : ( 1 ) again opened and closed my dispute on the same day, and ( 2 ) had not corrected the error in the report -- the credit report they supplied still contained the incorrect DOB. I believe Equifax is violating the FCRA by : ( 1 ) failing to conduct proper investigations into disputed information, and ( 2 ) failing to correct errors in credit reports after being provided with information establishing the error.
Consumer complaint received 2022-04-05
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. (NY)

There are third party medical collections on my credit report that do not belong to me and I did not authorize. This is a violation of the HIPPA act : XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-04-05
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. (NY)

There are third party medical collections on my credit report that do not belong to me and I did not authorize. This is a violation of the HIPPA act : XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2024-01-31
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: Experian Information Solutions Inc. (AL)

On XX/XX/XXXX I requested that Experian send me proof of debt including copy of payment history, name and address of original creditor, as well as proof of collection authorization. I have yet to receive those things my dispute was update the first time a XX/XX/XXXX which is XXXX  days apart they did not go over the documents I provide or anything of the sort. I started another dispute with them again for the same debt and they just updated it again today did not go over any of the documents I provide for the second time. Its been passed XXXX days and I have yet to receive any proof of debt.
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention the unethical and possibly illegal actions of Bank of America regarding the handling of my checking account. Recently, my account was shut down without warning, and upon inquiry, I was informed that it was due to a bad check that I allegedly submitted. However, I was never provided with any evidence of this check, nor was it ever returned to me as it should have been. 

Furthermore, Bank of America failed to disclose information regarding the deposit insurance that was supposed to be used to open my account. Instead, the funds were placed in an escrow account, with no disclosure that I could have claimed the insurance. This is a clear violation of GAAP procedures, and I demand that Bank of America be held accountable for this breach. 

To add insult to injury, Bank of America has been using deceptive practices to contact me regarding a debt that I do not owe. This is highly concerning, and I fear that they may be engaging in fraudulent activities. I demand that the CFPB investigate these practices immediately. 

Moreover, I am highly suspicious of Bank of America 's management of my funds, especially in light of their failure to provide me with full disclosure regarding the deposit insurance. They have been taking the compound interest each month, which should have been placed in my account, and have since closed my account. I demand that the CFPB look at the ledger of Bank of America and retrieve any securities that have my name on them and belong to me. 

In conclusion, I urge the CFPB to take swift and decisive action against Bank of America to rectify these egregious violations. Thank you for your attention to this matter.
Consumer complaint received 2021-03-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (WA)

On XXXX XXXX, 2017 and XXXX XXXX, 2017, LVNV FUNDING LLC added derogatory marks on my credit reports. Upon further research, those accounts were transferred /sold and I am no longer responsible for them. Debtors creditors did not verify those collections. Also there was no written form of communication, contract or signature for those account debts at all. 
Please provide me with the following : Signature for those account debts at all. 
What the money you say I owe is for. 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor. 
Prove the Statute of Limitations has not expired on those accounts.

Show me that you are licensed to collect in my state.

Provide me with your license numbers and Registered Agent or Agent of Service.
Consumer complaint received 2020-09-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (AR)

I HAD A LOAN MODIFICATION H.A.M.P. DONE AND NATIONSTAR STOLE MY HUSBAND EXEMPTION FUNDS FROM XXXX, THAT I USED FOR WIRE TRANSFERS XXXX XXXX OR XXXX.
Consumer complaint received 2020-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (AZ)

In XX/XX/2020 I spoke to a representative with Transworld Systems Inc. ( TSI ) which stated there was an attempt to collect a debt in the amount of {$2900.00} from XXXX XXXX. He offered a settlement and stated it would not be reported to the credit bureaus if fulfilled within that time frame. The Representative came up with a payment plan of a {$250.00} down payment followed by 10 payments every week of {$180.00} that would cover the debt which I agreed to. An email was sent to me confirming what we had spoke about. After paying my last payment ( XX/XX/2020 ) I called TSI to confirm that there were no outstanding balances. The representative I spoke with on this day told me I was good to go. Within the next couple days after checking the XXXX XXXX app on my phone, I got a notification that I had my first derogatory mark on my credit report which dropped my credit 23 points. This derogatory mark stated that I still have a remaining balance of {$830.00}. I called TSI immediately inquiring on why this is. They said that I still owe {$100.00}. I feel this is fraudulent considering we agreed upon an amount and payment plan, I fulfilled the agreement and now they are saying I owe more money. These conversations were all on recorded lines and should be reviewed for accuracy. After multiple phone calls they are refusing to work with me and verify the actual agreement. This is very upsetting because Ive been trying to repair my credit and take care of my obligations only to be slapped in the face with this. It would be greatly appreciated if you could investigate this matter so I can have this removed from my report as soon as possible. Thank you!
Consumer complaint received 2017-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

wrote two letters to this company last XX/XX/XXXXand again last XXXX XXXX, 2017 to dispute incorrect and inaccurate information on my credit report. They are claiming that they did their investigation but there incorrect and inaccurate pieces of information are still on my credit report. They are reporting unverifiable information from my credit report and it has been more than 30 days and no lawful action has been taken. I have enumerated all the items and what 's making these items incorrect and inaccurate on those two letters. Today, I am writing them another letter which is attached to this complaint.