davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-04
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. (IL)

I've disputed with XXXX, Equifax, and XXXX  incorrect data that each are reporting on my credit bureau. Each company is reporting that my mortgage with XXXX XXXX  is closed, and auto loan with XXXX XXXX XXXX  is closed and being paid through a chapter XXXX plan agreement. I've submitted to all 3 bureaus schedule C documents showing the 2 accounts were filed as exempt, also my chapter XXXX plan of which I the debtor was paying the accounts directly, and not through a wage payment plan through chapter XXXX. I also submitted bank statements showing proof of those deduction coming from the creditors. I learned from contacting each creditor that they were reporting to the 3 credit bureaus that my account was paid on time, and as agreed. I stated in my dispute that I wanted the incorrect data removed from my account since they are failing to report my account accurately. I notified the XXXX credit bureaus that bankruptcy courts does not report to credit agencies and submitted documents supporting my disputes. The inaccurate information is causing severe hardship, and I ask that those companies update my report with accurate reporting, or remove the inaccurate data. ASAP.
Consumer complaint received 2016-10-02
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have been a customer of Capital One also known as Capital One 360 for 11 Years. I 've paid balances in full, always paid on time and I have a good credit score. I am confused as to why is it that I can ONLY get a credit line of XXXX- I started at XXXX, then XXXX now XXXX. I have other credit cards with a higher credit limit, and I have been with those agencies for far less time. Secondly, I have asked for my APR ( urrently currently 19 % ) to be lowered, only to be notified that I did n't qualify ; because there were no promotional offers at this time says, a supervisor at Capital One. 
If there were promotions, how is that I was n't notified by mail, call or email? 
There is something grossly wrong with this picture.
Consumer complaint received 2015-08-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION (MA)

I received a letter from my lender, Everhome Mortgage, XXXX XXXX XXXX, XXXX, GA XXXX, stating that their show my insurance had expired and that the were going to buy insurance for my property, it would likely be more expensive, and that I was financially responsible. There is no indication of the time frame I have to resolve this. My insurance has not expired and is up to date, the error is in their recording keeping. The tone of the letter is very threatening and places the entire onus on me, not the lender. I do not think the threatening language is appropriate and the lack of details about time frame for the process in unacceptable and produces the appearance of immediate action on their part without my input.
Consumer complaint received 2016-09-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/XXXX, I noticed a " credit account '' attached to my business account at Wells Fargo Bank from XXXX Today for {$6200.00}. This was a surprise since I did not request any such account. I called and communicated via email to Wells Fargo Bank and tried to cancel and each time they tried to convince me to keep it. In addition to that Wells Fargo Bank sent me a credit card for purchase of products from " XXXX '' a company that sells carpeting, even though I did not request for such a card. I finally was able to get Wells Fargo to cancel the credit account on XX/XX/XXXX, but was told that I would be responsible for any charges on the credit account. This is unacceptable. Wells Fargo has not right to play games with my account. This is a clear case of ongoing cross selling by employees that is continuing despite government investigation into Wells Fargo business practices.
Consumer complaint received 2016-07-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

CapitalOne360 is not sending me money from my Mothers estate. I am the executor and have submitted all the paperwork. They claim XXXX check was sent in XXXX to my old address but it never came. They wanted to charge me {$25.00} for a stop payment. When I asked for proof it was ever mailed, they agreed top send another. I gave them my new address, which they already are sending mailings to, but they claim the new check was mailed on XXXX XXXX give or take a day. Never arrived. 
The other account is an Individual account that required a Letter of Testamentary and an Affadavit of Residence. I sent them. They said one was n't notarized so I sent it again. In XXXX they sent an email saying the check would be sent out. It was n't. 
Every time I call, I get different people who apologize profusely, promise to fix this and nothing gets done. No follow up calls, no emails. The last time they emailed me was to say the check was being drawn upo. That was XXXX. You can no longer log into the accounts.
Consumer complaint received 2024-02-26
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: 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 been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2022-02-12
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-30
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY (OH)

I am trembling with anger over this situation. I work in the financial field, and I do not like to bash or make complaints about the services offered, but I feel that this must be done so that changes can be made. 

I am staying at a hotel, and I have a credit card that I enjoy using. I like the company, the payments are very reasonable, and I am glad to have the card. I made an extra payment on my card so that I would have that balance available to pay for my room, as I am having some repairs/upgrades completed on my home. I chose to use this card for this situation because it is a rewards card that offers points. I made the payment online, or on my mobile app -- I do n't remember -- but it states " Transactions submitted by midnight XXXX XXXX will be sent immediately and will take effect the same day. '' So, I felt confident that the credit would be available for use immediately, as I made the payment at approximately XXXX XXXX XXXX XXXX the day before. However, when the hotel tried to run my card, it was declined. I called my card company to try to find out why the credit was not available. I spoke to a rep who was very nice, and he even spoke to his supervisor, but there was nothing he could do to make the credit available, and they were also unable to increase my credit limit to accommodate my dilemma. 

This entire situation should not have occurred. If the payment is not going to post as available credit immediately, or not even by the next business day, which was today, then the information on the website should not state that it will be. In my opinion, this is a deceptive practice. I could have used a different card, or given the hotel cash to pay for my room instead of putting the money on my card. I am on a very tight budget, but even if I was n't, this is totally unacceptable. I need 100 % clear knowledge of when my payments are going to post as available credit, as I am sure everyone does. At this point, I feel duped and lied to, and now I have to come up with {$200.00} from somewhere else because of this situation. This is more than just a simple inconvenience for me ; this is an embarrassing and unnecessary situation that has caused me a bit of financial hardship.
Consumer complaint received 2022-02-12
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a bunch of medical collections on all XXXX bureau 's I have asked for proof of debt from collection agencys they responded they could not supply any. I have disputed these item about 10 times now for the last several years. sent proof of certified letters to collection companies to credit bureaus and they still do not take them off they say they are verified everytime I dispute them. and everytime one collection company gets a certified letter from me a new collection company puts the same debt on my credit report as new. THis has been going on for 5 years now and it has cost me a higher interest rate on my mortgage and car insurance. I have paid all my debts that I have obligated myself for and yet I can not get a credit score over XXXX because of this illegal actions.
Consumer complaint received 2015-03-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (CA)

I already proved with the credit bureaus and the CFPB that this account is a relatives account it is not mine ; it has been removed from my credit reports a couple of times, the account gets sold after I show that it is not mine and then it goes back on my credit reports, affecting my life and my family 's life. Original account is Citibank NA : XXXX XXXX XXXX XXXX. The account was sold to XXXX XXXX XXXX, then XXXX, XXXX and now a company called XXXX XXXX XXXX ; whom never contacted me, they placed it on my credit report. I did send them a letter, I have not heard back from them.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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.
Consumer complaint received 2016-08-22
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

hi i have XXXX unauthorized inquiry my report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX I DID NOT authoriz I asked trans union to remove or investigate the issue they Refused to do so and i also asked the XXXX to remove it as well no replay from them so i would like to file a complant on Transunion file number XXXX to have this removed from my report as a citizen it my right to have this removed and would like to have this removed there is a X by the area is this copy thank you
Consumer complaint received 2017-02-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed this company with XXXX and XXXX. Neither credit bureau was properly investigating my complaint. I took for me to contact CFPB before XXXX finally removed this debt from my credit report. XXXX and Transunion is the only XXXX still have this on my credit report. XXXX and Transunion are not properly verifying this account. 
Under the Fair Credit Reporting Act, XXXX U.S.C. XXXX I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under XXXX XXXX ( a ) ( XXXX ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties you are damaging my reputation and credit worthiness. 

Under the FCRA XXXX XXXX. XXXX, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within XXXX days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

XXXX # XXXX unverified account
Consumer complaint received 2016-02-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: North Shore Agency, LLC (WA)

I have received a communication from north shore agency indicating that I owe money for a magazine subscription renewal. Last year my daughter gave me a subscription as a gift. I have never ordered or renewed this subscription. Acct # XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

The following accounts listed on my XXXX and Equifax credit report are fraudulent and not my accounts : XXXX XXXX XXXX XXXX  XXXX {$100.00}, XXXX, {$0.00}, XXXX, {$4.00}, XXXX, XXXX {$170.00}, XXXX XXXX XXXX XXXX {$340.00} and XXXX XXXX XXXX XXXX {$250.00}. I never applied for any of the accounts listed. The accounts dont belong to me and they are all fraudulent accounts.
Consumer complaint received 2016-10-13
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC. (SC)

My husband and I went to XXXX XXXX XXXX, in XXXX XXXX, South Carolina on XX/XX/XXXX. At the time, we discussed the price with the representative who said that he had to discuss the cost with his finance representative and with his manager. We held on to all paperwork that had our personal information as we asked not to have our credit run, until we agreed on costs. He said he made some notes on the back about what we desired for a trade in cost and what we were paying for the vehicle and that he just needed to take a photo of that. He took the photo. Unbeknown to us, that photo also included our personal information. When he returned, he came in with multiple finance offers using me as the applicant and my husband as the co-applicant vice-versa. Once, he brought back the paperwork, we shared our frustrations and asked that he not run our credit and we left taking the form with us. Little did we know, the finance manager had copied our information and began running our credit more than 10 times. I have taken this issue up the dealership to no avail.
Consumer complaint received 2016-04-22
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Delbert Services (AL)

In XXXX XXXX I took out a loan from Western Sky that I saw advertised on television to fund a move to XXXX to take a XXXX job. After applying I was contacted by a company named XXXX XXXX and they stated they worked with Western Sky. XXXX XXXX I noticed a company named Delbert on my credit report and that I opened an account in XXXX XXXX. After some investigation I found out Delbert is a collection company owned by the same person that owns XXXX XXXX. The loan was never late and I was never informed of the transfer. Apparently XXXX XXXX got in trouble in several states for illegal loans. They apparently were posing as an XXXX tribe company but they are not. This was the way they were trying to charge 89 percent interest. I talked to the XXXX Attorney General and they stated Delbert is not licensed in the state of XXXX. The Attorney General 's office suggested I stop making payments and contact the CFPB. I stopped the payments and Delbert is now showing the loan amount charged off. In XXXX the usury law caps interest at 29 % and the loan is in violation of XXXX law. Several states have ruled these loans illegal and the loans do not have to be paid.
Consumer complaint received 2022-09-05
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. (GA)

XXXX To : Cfpb ( XXXX, XXXX, equifax ) Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXXXXXX From : ( XXXX XXXX ) Address : ( XXXXXXXX XXXX XXXX XXXX. XXXX XXXX, Ga XXXX ) Dear Consumer finance protection Bureau & XXXX XXXX and Equifax and XXXX Pursuant to the FCRA & the FDCPAI now exercise my lawful right to question the validity of this debt your agency claims has come due.

Fair Credit Reporting Act 609 Disclosures to consumers : ( c ) ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified.

Fair Credit Reporting Act 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Fair Debt Collection Practices Act Section 809. Validation of debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I had an account placed for collections with a company called XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ) earlier this year. I contacted them directly to resolve/pay the account and they informed me the account had been sold to a company called XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX ) and thati must take it up with and pay through them. I contacted XXXX and we agreed to settle the account for {$680.00} ( original amount was {$900.00} ) and it would be reflected as settled or paid in full on my credit reports. We set up a payment arrangements which i ended up taking care of well before they were actually due. The payment i made ( see attached payment history and settlement letter from XXXX ) are as follows : {$100.00} XX/XX/XXXX, {$100.00} XX/XX/XXXX, {$150.00} XX/XX/XXXX, {$150.00} XX/XX/XXXX and {$180.00} on XX/XX/XXXX ( totaling the agreed upon amount of {$680.00} ). As of today, XX/XX/XXXX XXXX is reporting me as still owing an outstanding derogatory amount of {$220.00} and and an open collection account remains on my credit reports. This is a willful and negligent violation of the agreed upon contract i made and fulfilled with XXXX XXXX XXXX and this account needs to be either updated to reflect settled/paid in ful land a balance of {$0.00} or removed from my credit reports immediately.
Consumer complaint received 2022-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Credit report pulled without my permission of not knowing how severely these actions would affect my credit report. 15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ON THE 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-04
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ProCollect, Inc. (TX)

ProCollect took on an alleged debt from XXXX XXXX XXXX XXXX for a {$41.00} charge to me that was never even sent to me by XXXX XXXX XXXX, and ProCollect posted this alleged debt against my credit without ever trying to collect it from me beforehand. In order to get my credit score back to normal, I even paid ProCollect this {$41.00} over a month ago and they still have it lodged against my credit score. I 've called them twice, given them the check info ( they cashed it on XX/XX/XXXX ) and they continued to play ignorant about it all. What can I do now?