davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-19
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 have disputed the inaccuracies listed on my Experian credit report from XXXX XXXX on multiple occasions. In XX/XX/XXXX, I disputed the late payment history from XXXX and the inaccuracies that were being reported. Experian responded to the dispute as account updated ( proof attached ), but the late payments were not removed from my account as requested nor was the account updated from what was reported previously. Additionally Experian has XXXX XXXX XXXX Date of Last Activity reported as XX/XX/XXXX, whereas XXXX has the Date of Last Activity reported as XX/XX/XXXX ( proof attached ). This XXXX XXXX account has been re-aged, which Experian has to delete account for being in violation. Also the payment status is reported inaccurate, Experian has the account listed as Current, was Past Due 60 days, but XXXX has it reported as Paid or Paying as Agreed ( proof attached ).
Consumer complaint received 2021-02-27
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: EQUIFAX, INC. (OH)

I contacted Equifax via mail on XX/XX/2021 asking them to remove 7 hard inquiries from my credit report. I received a response to my dispute on XX/XX/2021 claiming that the disputed inquiries were factual record of file. I again reached out to Equifax on XX/XX/2021 asking the company to do an actual investigation because I was not confident that they did an actual investigation in the 1st place. With the original complaint from beginning to end was around 7 days ( sent XX/XX/XXXX, response received XX/XX/XXXX via mail for both ), which isnt enough time to actually reach out to reporting companies and get a response. I asked the company for proof of their investigation along with proof of authorization and they sent me the same letter that they sent in the beginning without any of they information requested showing proof of investigation. I am enclosing a copy of both letters along with Equifax response to both. Please contact me if you need further information
Consumer complaint received 2018-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FM)

Earlier this year, I got my annual credit disclosure from Trans Union. I noticed that my XXXX XXXX XXXX, open since XX/XX/XXXX, was reported as 31-60 days late for XX/XX/XXXX. This was not accurate, and I disputed this to Trans Union in late XX/XX/XXXX. The XXXX XXXX account was reported in the adverse accounts section of my report. 
Trans Union responded later to my dispute and stated that its dispute investigation results showed the information had been verified and updated, and the 30-day late payment for XX/XX/XXXX was removed and now reported paid as agreed. 
In XX/XX/XXXX, I checked my Trans Union credit report and it showed the tradeline with no late payments reporting, and the account appeared in the satisfactory accounts section of the report. 
Then, in XX/XX/XXXX, the 30-day late payment was re-inserted into my credit file, where it remains currently. At no point did Trans Union mail me any written notice it had verified the previous late payment was accurate and that it would be reinserting the information into my credit file. Never. 
I do not know how Trans Union allowed previously-deleted information back into my credit file, but I am aware the FCRA requires them to maintain reasonable procedures to prevent the reinsertion of deleted information. This did not appear to be the case here.
Consumer complaint received 2021-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MO)

I was in a COVID-related forbearance plan in 2020. I came out of that plan in XXXX and have been attempting to work with the company on a loan modification to bring my account current, but I do not get consistent or straightforward answers from representatives with the company. On the occasions I am able to get in touch with a representative, the answers I receive often dodge my actual questions and are frequently in direct conflict with answers I receive from other representatives. The few representatives whose direct extensions I do have, which would enable me to speak with one person familiar with my account, do not answer calls and do not return voicemail messages. The company has also refused to provide documents in a reliable way ( i.e. only sending via the post office, which has known issues at this time, and refusing to post the documents in duplicate electronically XXXX. This morning, when I attempted to make a regular monthly payment, my online account with the company stated that I was unable to do so and claims that my account is delinquent, which is untrue and in conflict with information I have received in the past. 

XXXX 's attempts to misinform, frustrate, and avoid me as I attempt to bring my account current are inappropriate at best and potentially unlawful at worst. I have tried to avoid submitting a complaint, but at this time I am forced to do so, as the company appears no longer willing to work with me.
Consumer complaint received 2019-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (TN)

I XXXX XXXX THIS BILL WAS ALREADY PAID AND ATT KNEW THAT BEFORE THIS GOT TO THIS POINT, THEY NEED TO REMOVE THIS FROM MY ACCOUNT BECAUSE THIS IS A MISTAKE ON THERE PART CAUSE THIS BILL IS ALREADY RESOLVED
Consumer complaint received 2018-06-20
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc (TX)

The company states that After receipt of XXXX XXXX complaint and review of the payment history, we confirmed that our client has record of receiving a payment for XXXX. XXXX loan on XX/XX/XXXX. However this payment was returned to our client as a debit card chargeback on XX/XX/XXXX along with a notification from XXXX XXXX financial institution that she had disputed this transaction as a fraudulent charge, resulting in a refund to XXXX XXXX. We asked our client to confirm the amount of her account, and they found no inconsistency in relation to the amount of payments applied to XXXX XXXX loan.- AD ASTRA Recovery Service Inc . 
The Original Creditor states XXXX  XXXX obtained a loan in the principal amount of {$500.00} on XX/XX/XXXX using her personal XXXX ( XXXX XXXX ) online account. The loan proceeds were deposited into the bank account XXXX XXXX provided at loan origination. XXXX XXXX loan account was placed in default status on XX/XX/XXXX when successful payment on the loan maturity date wasnt received. Thereafter, collections activities commenced as allowed by law. XXXX XXXX contacted XXXX  XXXX to set up a payment arrangement, however, the agreed upon payments were not made. A review of the loan history reflects that XXXX XXXX initiated a collections payment for the past due balance on XX/XX/XXXX as authorized in the signed loan agreement, which paid the loan in full ; however, on XX/XX/XXXX, this payment was reversed by XXXX XXXX bank resulting in a chargeback and the balance being owed again.- A XXXX XXXX XXXX XXXX XXXX XXXX. 

Both companies made the above statements in regards to an initial complaint filed through the CFPB on XXXX, and the dates they specified as receiving payment and then a chargeback dont reflect the same days that are stated nor do they match the date reflected on either statement submitted. 

Both companies state there was a charge back in the month of XX/XX/XXXX and if that were true there would be another amount of {$610.00} that doesnt reflect the charge of ( $ XXXX- on the date of XX/XX/XXXX ) with the transaction date showing XX/XX/XXXX. 

Both companies denied the second payment of {$610.00} on XX/XX/XXXX because of the amount. All 3 Credit Reporting Agencies show a balance due of the said amount which is why I paid such amount. 

XXXX XXXX states that I procured the loan via the XXXX XXXX website online which is in fact untrue because I went into a local branch in XXXX, AL @ XXXX XXXX XXXX. 

Both companies state that they dont accept or report inaccurate debt amounts but all reporting agencies show otherwise. Again if you review the attached statements, you will see that there was no chargeback or credit awarded to my account in the amounts the companies recall. Any chargeback would be reflected on the statements as a Provisional Credit and as you can see there is none.
Consumer complaint received 2020-09-12
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. (CA)

I obtained my credit report online. There was U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the  Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

The Bankruptcy Court has mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

My inquiry to the U. S. Bankruptcy Courts confirmed Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the  consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Consumer complaint received 2020-07-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (TN)

I entered an installment loan with Acima to purchase tires from a store. I specifically ask for 90 days same as cash and they said when it was close to the end of the contract, they would email me as a reminder. Acima had been drafting funds from my account without an issue when I noticed that I had paid close to the initial {$1000.00} ( amount of purchase ). I called them on the phone to ask why were they still drafting money when the account should be paid in full due to a 90 day same as cash purchase. The representative stated, '' ma'am, your account wasn't placed on a 90 day same as cash account when I specifically ask for that plan. I asked to speak with a supervisor and the representative told me that the supervisor would tell me the same thing. Acima is requesting that I pay them an additional {$1300.00} on top of the {$1000.00} already paid but I refused because I didn't want to pay the interest in the first place is why I chose 90 days same as cash. I have received calls from the company at least 15 times a day to include robo calls and voicemails. I read their reviews and customers are stating when they request 80 days same as cash, they end up with the outrageous finance and interest charges which is absurd. They also claim they emailed me but when the email address was verified, they had the wrong email address.
Consumer complaint received 2021-11-05
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)

I have disputed the following items on many different occasions and I still have not gotten a response yet. It has been more than 60 days since my dispute and nothing. So I am asking you for your assistance in getting the following items removed from my credit file. 

Incorrect Names : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( Transunion ) Incorrect Names : XXXX XXXX XXXX ( XXXX ) Incorrect Names : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX, XXXX XXXX ( Transunion ) Incorrect Address : XXXX XXXX XXXX and XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX XXXX and XXXX XXXX ( XXXX ) the following late status is incorrect : XXXX - I was never 30 days late in XX/XX/XXXX 1. XXXX XXXX - I was never 90, 120, or 180 days late from XX/XX/XXXX- XX/XX/XXXX or XX/XX/XXXX- XX/XX/XXXX XXXX. XXXX Loans- I was never 90, 120, or 180 days late from XX/XX/XXXX - XX/XX/XXXX or XX/XX/XXXX - XX/XX/XXXX Ally Financial - I was never 30 days late in XX/XX/XXXX XXXX- I was never 30 days late in XX/XX/XXXX XXXX/XXXX - I was never 30 days late in XXXX - XX/XX/XXXX ; XX/XX/XXXX The following items do not belong to me ( Fraud Account ) - XXXX XXXX ( Transunion And XXXX ) - Bal : {$1600.00}
Consumer complaint received 2021-03-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. ()

Cojnbase has stolen money from me, I have converted ethrum currency via their app and stored it in their wallet on XX/XX/2020. 

However that amount is missing from my wallet, I have sent 3 written complaint to the company and have just received their automated message.
Consumer complaint received 2018-06-20
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: EQUIFAX, INC. (MD)

I am in receipt of my Equifax credit reports dated XX/XX/XXXX, I noticed the following credit inquiry on my report : ( See attachment ) The following unauthorized hard inquiry which impacted/lowered my credit score was placed on my credit report by XXXX on XX/XX/XXXX, without my expressed verbal, wriiten consent or knowledge. In addition, XXXX also placed an soft inquiry on my Equifax report on the very same date. 

I immediiately reached out to XXXX and asked verification and removal of the hard inquire placed on my Equifax report. According to XXXX they placed several requests with Equifax to remove the above mentioned inquire. 

I contacted Equifax several times attempted to dispute the above mention inquiry an was told consumers could not dispute inquires. I informed Equifax under the FRCA consumers are permitted to dispute any inaccuracies contained the consumer report/file which included hard inquires. 

Equifax refused to allow the consumer to dispute hard inquiry place on my report also refused to provide the contact information of XXXX i.e. address, telephone which FRCA requires Equifax to provide consumer with this information. 

To date Equifax had refused XXXX and the consumer request to delete above mentioned inquiry with full knowledge this impacts the consumer credit scores. 

I belive Equifax is targeting minorities with this practices to intentionally lower Americans of XXXX decents credit scores. 

This is not the first discriminatory practices of Equifax I have reported to the CFPB over the years and to date you have refused to provide protection to consumers.
Consumer complaint received 2017-07-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

On XX/XX/XXXX I settled my account for less with XXXX XXXX XXXX XXXX when they agreed to take {$14000.00} as the payoff of my auto loan account # XXXX by XXXX XXXX in XXXX, Minnesota XXXX who can be reached at ( XXXX ) XXXX. In XX/XX/XXXX XXXX XXXX started reporting that we had not settled and that they had charged off the remaining balance of {$9100.00}. the XXXX XXXX representative spoke with myself and XXXX XXXX who is the XXXX XXXX employee who processed the sales of the XXXX XXXX XXXX and provided the payoff to XXXX in order to settle the account. I was told verbatim that they would not report the remaining balance as charged off because opposed to turning the vehicle over to XXXX I had gone out and got an offer from XXXX XXXX for {$14000.00} that they agreed they would accept to settle the account. I mailed my complaint about this matter to all 3 major credit bureaus by certified mail on XX/XX/XXXX,  in which I have already received correspondence from XXXX that they have started the dispute as they are required to within 30 days by law. On XX/XX/XXXX XXXX send me a letter saying that they could not process my dispute because I had not provided sufficient information, or that the documents were not legible. I am attaching all documents to this dispute and you will see that not only did I provide all information necessary to initiate my dispute, but that it was absolutely legible. I am about to go through a background a check for a new job and I will not hesitate for even a moment to sue XXXX and XXXX to the full extend of the law if this is not corrected IMMEDIATELY as this is fraud on behalf of XXXX XXXX which they have shown us all they have no problem with, and this could also result in a failed background check if this remains on my credit report in which I would sue for loss of wages as well. I recommend the XXXX and XXXX XXXX do not take this complaint/dispute lightly or try to delay correcting false information any further or I will have my attorney be the next person to take action. We are so thankful that XXXX XXXX has recorded all phone calls on my account so that if I am forced to bring them to court they can help us verify that the statements above are truthful. Please remedy this inaccuracy immediately. I am simply shocked appalled and offended to see XXXX XXXX trying to get away with this even after they just defrauded millions of Americans. XXXX received my dispute via certified mail with return receipt, no later than XX/XX/XXXX so the clock is ticking until 30 days is up. Please do n't make me escalate this any further as I will be submitting a complaint with the FTC today as well. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2020, my outstanding balance on my Capital One credit was paid by XXXX XXXX as a part of bill consolidation loan I received. XXXX XXXX overpaid my outstanding balance by {$300.00}. Capital One said it will refund the overpayment in 60 to 90 days! 

When I owed a debt to Capital One, I had 30 days to pay. Why should they get 60 to 90 days to refund my money. The account is closed so there's outstanding charges that will be charged to the account.
Consumer complaint received 2018-06-20
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: CITIBANK, N.A. (NY)

On XX/XX/XXXX an amount of {$720.00} was charged to my Citi Credit Card. The payment was rejected by the vendor, XXXX and the amount shows as pending on my credit card statement. I did not receive flight information from XXXX and they asked me to contact Citi Bank. Citi Bank still refuses to cancel the charge. 

Please assist. 

Thanks, XXXX XXXX
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NY)

Comenity XXXX should be removed by the company for account ending XXXX. 

Report was to be fully removed, not Legally paid in full for less than the full balance. The false reporting has gone on too long and should be removed. I was told it would be completely removed years ago and is still not being reported correctly. It is almost 6 years old and still lingering. Please have removed as it was promised 5+ years back.
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I have a XXXX credit card on my account. Ive been disputing for the past 3 years but they keep denying me. I placed a fraud alert on my account since XX/XX/2017. XXXX has this on my credit since XX/XX/2017.
Consumer complaint received 2020-03-23
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. (NC)

I previously sent three dispute letters to Experian in XX/XX/XXXX in regards of this XXXX XXXX XXXX account with account number XXXX in the dispute letters I sent Experian I told them that this item needs to be deleted because it's inaccurate because XXXX  and XXXX  has this account opened on XX/XX/XXXX but experience has this account opened on XX/XX/XXXX so I told them this was an accurate and it needs to be deleted but they said it was not going to investigate into the subject matter.
Consumer complaint received 2018-06-20
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: Experian Information Solutions Inc. (FL)

See list of inquiries on my credit that I did not authorize and I know nothing about. 
XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX
Consumer complaint received 2018-06-21
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Prosper Marketplace, Inc. (DC)

An individual by the name of XXXX XXXX called my employers corporate headquarters in XXXX ( I live in XXXX XXXX ). When corporate let me know, I had them transfer XXXX to my direct line. He wouldn't let me off of the call after repeated attempts to tell him I needed to call from my cell phone. He was extremely hostile and misstated multiple facts about my debt and situation, and told me that if I don't give him my payment information right now, he would sue me. I repeatedly told him that I know my rights under the Fair Debt Collection Practices Act and each time I brought that up, he would cut me off and keep trying to get me to give him my information.