davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I have an existing investigation with CFPB number XXXX I have received an email reply from Equifax with a new case number XXXX When I try to log into Equifax website to view the results or the status of the dispute, I am not able due to incorrect information and no access There is no information on the Equifax website on how to contact them, email or phone I would like to get some clarifications/answers : 1 ) With all the complains against this company, why are they still allowed to do business in the United States 2 ) Why is this company allowed to report on persons credit with the wrong information 3 ) Who do I have to contact or how do I get to have this company stop reporting on my credit and history, since the information provided is incorrect and of no help to my credit report and/or history
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I looked at my credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, 15 USC 1681e ( b ) Accuracy of report, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ], [ XXXX XXXX XXXX XXXX XXXX # XXXX ], are not complete and accurate.

In addition to 15 USC 1681e ( b ) according to 15 USC 1681s-2 ( a ), A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (CA)

In XXXX of XXXX, Credit Management, L.PXXXX reported a fraudulent item linked to my social security number to all 3 credit reporting bureaus. Promptly, I provided Credit Management, L.P. with irrefutable evidence of this item 's classification as identity theft, documented through FTC IdentityTheft.gov. Consequently, this item was successfully expunged from my credit report across all three credit bureaus. 

However, to my dismay, I recently discovered that Credit Management , L.P. has once again reported this exact item, bearing the same account number and originating from the same company, on XX/XX/XXXX. Despite their persistent attempts to dismiss the facts surrounding this item and portray it as distinct from the previous occurrence, on XX/XX/XXXX, I managed to engage one of their supervisors, XXXX, who acknowledged that it is indeed the same item. She assured me of its immediate removal from my credit report across all credit reporting bureaus.

Regrettably, it has been two weeks since XXXX 's pledge, and instead of being removed as a fraudulent item, this entry has been modified to indicate a paid-off status with a remaining balance of {$170.00} as of XX/XX/XXXX. 

Numerous attempts have been made to implore this credit collection agency to adhere to the rules and regulations outlined by the Fair Credit Reporting Act ( FCRA ). However, their unwavering lack of cooperation and blatant disregard for these guidelines have resulted in substantial damage to my financial stability.
Consumer complaint received 2017-01-09
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Special Financing Company, LLC (CA)

Financial aid Services was the company that processed my student loans. They told me to give them all my information and they would send my loans to be consolidated and then would process forgiving a large portion because I was unemployed at the time. They did n't do any of that. Everything was done through the phone and they tooknow my social security, my drivers licence, date of birth and my bank account number and wanted my immediate signature to process some information. I was directed to a website so I do n't even have anot email. All that I do have is that if the processing did n't go through and I did n't receive XXXX welcome packet in the mail, to contact XXXX at XXXX. I later started receiving automatic deductions from my bank account that I thought were paying off my student loans. The payments were to " Special Financing Company LLC ''. I only found out it was fraud months later because myou Fed loans bill came and my balance is much higher than it was supposed to be. I was unemployed and totally depressed. How do they do this to so many people and sleep at night?
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

I opened a XXXX XXXX account with AMEX. I opened it through solictations from AMEX. They never reported to the credit bureaus as being late. Yet that charged me off and show my account listed as Indidual not Business. I am not liable for this debt my company is. XXXX XXXX XXXX. please help me get this off my personal credit report. Thanks
Consumer complaint received 2023-06-17
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: ORG GC GP BUYER, LLC (TX)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately XXXX. XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Capital one app changed autopayment from minimum due XXXX on XX/XX/2019 to XXXX $ On XX/XX/2019 which was cancelled. Capital one app then adjusted autopay to XXXX $ a month on XX/XX/XXXX and XX/XX/XXXX, which was less than minimum due. Never received a phone call or notification of change in payment amount. Capital one then proceeded to mark with late payment inquiry without any chance to fix the situation. App will still change from minimum payment due to XXXX $ A month. I contacted capital one multiple times and was hung up on or told it could not be changed. I need these late payments to be removed ASAP as I am not at fault.
Consumer complaint received 2016-09-22
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: WLCC (FL)

As below : they acknowledged my request to not call my place of business and then called this morning and violated that.I have a voicemail to prove that. 

********************************************************************* You have now violated my request and called my place of business again. I know that you can be fined for this. If I have to get a lawyer I will. I am not allowed personal calls at work. Cease and desist. 


From : XXXX Collections & lt ; XXXXXXXXXXXX & gt ; To : XXXX XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; Sent : Wednesday, XXXX XXXX, 2016 XXXX XXXX Subject : RE : ArrowheadAdvance Message ( response ) XXXX XXXX XXXX As you can see we received your email, and will stop the calls to your employer, but what I needed to know is what are you disputing we have a signed contract on file. If this is just something financial then please let us help you. By telling us not to contact you and that you are disputing the loan only makes it more difficult for me to help. If you can please give us a call at XXXX. 

Best regards XXXX XXXX collection Manager XXXX ext XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2016-11-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Rent Recovery Solutions (CT)

My fiance and I ( XXXX XXXX ) were living in the XXXX XXXX XXXX XXXX, XXXX CT. The XXXX materially and repeatedly breached its obligations to us under our lease, which caused us to terminate the lease and move out of the apartment. The XXXX then sent our debt into collections with Rent Recovery Solutions, during this time we notified The XXXX that they and Rent Recovery Solutions were only permitted to contact us via formal writing. Rent Recovery Solutions ( RRS ) attempted to contact us by phone, which we made aware was inappropriate. We received a letter of collection from RRS and responded within 30 days that " As your client, XXXX and XXXX XXXX " XXXX '' XXXX, has been repeatedly advised in writing, the entire amount of their claim is disputed and will not be paid. XXXX materially and repeatedly breached its obligations to us under our lease, which caused us to terminate the lease and move out of the apartment. '' Our credit scores have been flagged by RRS and we dispute all amounts due. It should be noted that RRS is not listed as a XXXX Agency with the XXXX as of XXXX XXXX. We have told both parties that we are being represented by a lawyer and are disputing all charges.
Consumer complaint received 2023-04-05
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. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortionXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} ; XXXXXXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-12
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (PA)

Did not receive any information from one mortgage company ( XXXX XXXX ) that they were being bought out by another mortgage company ( RoundPoint ). Not only have I been dealing with inept personnel from XXXX XXXX XXXX XXXX, but the issue is now haunting me once again with this new Mortgage Co. ( RoundPoint ). With every piece of evidence I have in making a payment by check, to include the image of the front of the check, the back of the check, and the " stamp code '' of the check that I received by bank, the issue is still going on. It 's been a year where I had to battle back and forth with XXXX about how I have all the proof needed for a payment I made that they had lost, and will not own up to their mistake. After countless phone calls, aggravation, and XXXX I had to live through ( and clearly just found out I still am ), I thought this issue was finally fixed. Not only was the issue NOT corrected, but now RoundPoint is starting this nightmare all over again. To add, XXXX XXXX dropped my credit score on 3 different occasions and I had to fight, endlessly, for months to make them put my credit score back to where it rightfully belongs because they could not fix a problem all while I had supported every piece of evidence any would need to realize I was not at fault for a payment they lost in their " processing center. '' To include emails, names, check numbers and amounts with dates, images of the checks and stamp-code for the check. I 'm a veteran XXXX, a XXXX XXXX XXXX, and now that it is XXXX XXXX, 2016 I will, yet again, be contacting the new mortgage lender ( RoundPoint ) to start from square one about an issue that should never had existed in the first place AND to fight to keep my credit at XXXX where it rightfully belongs. This is a major issue that needs resolved!
Consumer complaint received 2015-07-12
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dynamic Recovery Solutions, LLC (NV)

XXXX Collection agency ( Dynamic Recovery Solutions ) has called me while I was at work, on my work phone, which I understand is a violation of the FDCRA. This is very inconvenient and inappropriate, and my employer does not allow such personal calls. They are attempting to collect on a debt that has passed the statute of limitations in both my state and the state that I previously lived in. They are falsely claiming that I made a payment in 2010 in order to re-age my account, which I understand is also a violation. There have been no payments on this account ; enough time has passed to allow this account to drop off my credit report. It is not currently being reported on my credit reports to my knowledge, but I fear that they will.
Consumer complaint received 2022-02-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

was recently scammed by People claiming to be with XXXX security and fraud department. This occurred on the date of XX/XX/2022. They told me they detected unauthorized IP addresses on my phone and that people were using my XXXX account to order things in different parts of the country. They were able to get my personal information by having me install an app that they told was used to see what I was doing on my phone so they can help walk me through the necessary steps to help secure my bank account. They then tricked me into opening my crypto apps and had me download a crypto app Ive never used before called XXXX. They then funneled almost {$7000.00} out of my bank account and stole % 50 of my crypto currency investments. Before finally telling me that Ive been conned and laughing in my face over the phone. Ive filed a claim with Wells Fargo and cancelled my current debit card and had a replacement sent out. Im bringing this situation to light to ensure that Wells Fargo does the right thing and reimburses my stolen funds. I was a victim of a disgusting crime and I believe as a loyal customer of Wells Fargo, which Ive been banking with them for over 10 years. It is the upmost important and right thing to do.
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

This complaint is against Transunion and XXXX credit reporting agencies. After obtaining my credit report and reviewing the information, I noticed that on my Transunion and XXXX credit report they are both reporting public records of tax liens which should be a violation. As of XXXX XXXX XXXX, tax liens and judgements were no longer suppose to be reported. Considering that this information is no longer suppose to be included on my credit report I ask that this information be deleted in which it has yet to be deleted and is still showing up on my credit report.
Consumer complaint received 2015-12-09
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My husband and I were facing foreclosure back in 2005 for property located at XXXX XXXX XXXX in XXXX, Texas. We had a mortgage insurance policy in place at the time. We approached the mortgage company, XXXX, regarding a short sale to prevent the forclosure process. XXXX told us that we could " only sale the property if we signed a promissory note to pay back the insurance company '', XXXX XXXX XXXX We sold the home and are currently paying back a non-collateral promissory in the amount of {$20000.00}. We recently discovered that this practice was inappropriate/and illegal for both mortgage and insurance companies.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 XXXX XXXX XXXX XXXX
Consumer complaint received 2015-12-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AMCOL Systems, Inc. (NY)

I never used the services of this medical group Amcol Systems.They ruined my credit by filing a open collection judgement on my XXXX credit report.If someone else used their services with my last name it was not me.I have never been to South Carolina
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2022-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

My payment is due on this credit card on the XXXX of the month. I always make my payment on the last day of the month or the XXXX, online. On XX/XX/2022, I made my regular payment and received a confirmation email that my payment was made. On XX/XX/2022, I went to make my XXXX payment and there was a late charge on my account for XXXX dollars. I made my payment on time so I called. The person I talked with didn't seem to know how to handle it. He told me that Capital One had some payment issues with their systems on XXXX XXXX day and that my late payment charge would be reversed and my credit wouldn't be effected. He admitted that it was their mistake. I have proof with a screen shot and my email confirmation that the payment was made on time. I am never late on any of my payments and I just checked this month 's statement and the charge has not been reversed nor do I know how it effects my credit. What I am really worried about especially due to being a retired Consumer Protection Chief of an Attorney General for years is, how many others did they charge this fee to even though it was their system that messed up?
Consumer complaint received 2016-07-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

Following the fact that my prior CFPB case number XXXX resulted in information that the company XXXX XXXX XXXX conducted a hard pull of my Equifax credit report, after the CFPB case closed that I am not a customer of XXXX XXXX XXXX, I was informed to call them at a number that they provided to CFPB in my reply. When I call this number, I am not able to reach a representative. As a result, I decided to file an inquiry dispute with Equifax and the result of the inquiry was that inquiries are factual records of file access and they closed the dispute. They told me to contact XXXX XXXX XXXX once again and they direct me to call either the Department of Education ( which I have done via the Ombudsman and have received no reply ) or my university ( which has no knowledge of XXXX XXXX XXXX ). I am unsure how to proceed because I have no knowledge of authorizing XXXX XXXX XXXX to authorize a hard pull on my Equifax credit report, Equifax did not accept my dispute, and there is no one to reach at XXXX. Ideally, I want the XXXX XXXX XXXX hard pull inquiry removed from my credit report unless it can be proven that I authorized such a request.