davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-11
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)

As a pervious report stated this account reported is FRAUD and yet it is still listed on me report. I have filed a complaint on two separate occasions with the FTC and the local police department. This time around I have retained an attorney and they advised me to file the complaint once more and stating the obvious involving fraudulent accounts listed on a credit report. They said they investigated but the evidence provided was a receipt that is not at all validation of debt.
Consumer complaint received 2022-11-08
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Ria Envia, LLC (PA)

On XX/XX/2022 I went to Walmart, store # XXXX and wanted to cash a small check which they do, and wanted to add money to my debit card through their bank, which is XXXX bank. They said at the cust. service that all those transactions are down, and are always down, and their company will not upgrade their software!!!!!!!!!!!!!!!!!!!!!! And this is happening ALOT!!!! I had to drive to the actual XXXX bank, ( because this one did not have a XXXX bank in it!! Which it shoud by the way!!! ) And I had to drive over 30 mile round trip to deposit money!!!!!!!!!!!!!!!!! I called their cust service line through their corp office, was supposed to get a call back from a supposed marketing manager a week ago, nothing!!! I want to be given a gift card from them to compensate for all the gas I had to spend to deposit money on my debit card, and to cash a check!!!!!!!!!!!!!! 
They need to be thoroughly investigated by the law NOW!!! THEY HAVE NO EXCUSE FOR NOT UPGRADING THEIR SOFTWARE FOR MONEY TRANSACTIONS, THIS IS A QUOTE FROM ONE OF THEIR EMPLOYEES ACTUALLY!!! THESE RIGHT WING XXXX XXXX XXXX  RIP OFF ARTISTS SHOULD BE FINED TO THE MAX!!!!!!!!!!!
Consumer complaint received 2022-09-11
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. (MO)

XXXX XXXX XXXX on XXXX XXXX reported on my report with no permission from me, i am a living human being that did not give any permission!!! 
15 U.S, C section 602 A. States I have the right to privacy. 
15 U.S.C. section 602 A section 2 is also states that a consumer reporting agency can not report my account with out my written instructions. 
15 U.S.C.1692Cwithout the prior connect of the consumer given directly to the debt collector or the express permission of the court of competent jurisdiction a debt collector may not communicate with consumer in connection with the collection of any debt
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Starting XX/XX/XXXX, out of nowhere my federal student loan started showing as delinquent while we were under a national covid-19 pandemic. Federal student loans are suppose to be in forbearance and protected from wrong reporting and collection activities. I reached out to my student loan servicer XXXX & they informed me that the account payment information will be corrected, they also advised me to reach out the all credit bureaus. It's been months and my credit reports still show delinquent payments from XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2022-09-11
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. (TX)

To date, Equifax is still furnishing unauthorized inquires on my credit report. I verified in writing and contacted alleged creditors about the unauthorized inquires on my profile. By law Equifax is to furnish 100 % accurate information and have my consent to furnish. I affirm Equifax does not have my consent to furnish any inquiries on my consumer credit report ; moreover I do not consent to my right to privacy and rights under the state and federal law being violated by Equifax. In closing Equifax recent investigation was not conducted properly, Equifax pursuit to the FDCRA and state laws are required to disclose to me the consumer who they investigated ( family and friends ) and the names of all individuals and persons that allegedly claim said inquires are factual. Without proper investigation Equifax is REQUIRED to remove all said inquires.
Consumer complaint received 2022-08-04
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. (CA)

I have been disputing with the Credit Reporting Agencies to remove the fraudulent information completely from my Credit report. The letter I sent on XX/XX/2022 was already my 3rd letter requesting that the Credir Bureaus remove the items as they resulted from the theft of my identity. It has been a battle going through this and I am suibmitting this complaint to delete the following fraudulent information in my file. The dispute items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Reporting Agencies immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT ED/XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX Bankruptcy Reference # : XXXX U.S. Bankruptcy Court
Consumer complaint received 2022-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Loan was transferred from XXXX XXXX XXXX to RightPath as of XX/XX/XXXX. A delinquency in the amount of {$40000.00} per the XX/XX/XXXX statement from XXXX XXXX XXXX. On XXXX, while still under the servicing of XXXX XXXX XXXX, a series of transactions label " Irregular Payment '' was applied to the loan history. The sum of these " Irregular Payments '' is {$38000.00}. This brought the account current through XX/XX/XXXX, leaving XX/XX/XXXX due and payable to RightPath Servicing. 

In addition, beginning XX/XX/XXXX, I applied for assistance with California Mortgage Relief to receive a grant to bring the account current. On XX/XX/XXXX I was approved to bring the account current - ALL delinquent amounts would be paid for by California Mortgage Relief. However, due the transfer the and transactions applied by XXXX XXXXXXXX XXXX the account then reflected no delinquency. I immediately contacted RightPath advising them of the situation. After numerous calls and emails, no one was able to correct the error. I was told by XXXX representative that the payment applied by XXXX XXXX XXXX in the amount of {$38000.00} was payment from a " hardest hit fund '' and there was no error. On XX/XX/XXXX, RightPath collected payment from me for the amount due on the account- XXXX and XXXX payment- in the amount of {$2900.00}. 

On or around XX/XX/XXXX, a wire payment was sent from California Mortgage Relief to bring the account current. However, since no deliquency was reflected on the account the funds were first applied to the principal and then reversed and applied to the unapplied funds account. Later, funds were returned to California Mortgage Relief and was indicated that no delinquency existed. Later, the loan history has been completed changed to show that funds in the amount of {$39.00}, XXXX was removed from the account. In addition, the loan became delinquent in the amount of {$26000.00}. Again I asked RightPath to explain the difference in the amount due to XXXX XXXX XXXX before transfer and the amount now reflecting delinquent by RightPath. 

Furthermore, due to that account errors on this account, my approval from California Mortgage Relief has been cancelled. The mishandling of my account by RightPath has caused me to forfeit funds to bring the account current. Ever attempt was made by me to have this issue resolved before the grant funds were sent. RightPath took to action and when action was taken it was done incorrect - stating no delinquency existed - and the amount due on the account has still not been verified and validated.
Consumer complaint received 2021-10-28
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: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-10-28
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

State of Michigan Child support, # XXXX, State of Michigan Child support : # XXXX, State of Michigan Child support : # XXXX, XXXX XXXX, XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2022-09-11
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. (IL)

Good day, I XXXX XXXX, have come to the conclusion regarding my three consumer credit reports have been compromised in terms of my identity. Across Equifax, XXXX XXXX XXXX there is fraudulent inquiries posted that I have attached in an attached documentation along with an auto loan that is tied to my name and an address that I have no association with. This has caused me great emotional, financial, and mental distress as this is inaccurate and in factual as I was XXXX XXXXXXXX so it is impossible for me to have taken out a loan for an auto loan. Upon my investigation and research it appears to be I was added to this account I am not the primary holder which explains that the thieves who compromised my identity used me in order to acquire this auto loan. To my understanding I did not offer consent to use my credit in the attached documentation for this auto loan or apply for any applications of credit for the attached inquiries. The Credit Bureaus have neglected to look into this matter so I am reaching out to the CFPB to get these fraudulent matters removed from my credit report as to not cause me any more harm and distress as I have already been through enough.
Consumer complaint received 2022-09-11
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. (NC)

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. XXXX, Equifax, and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX  XXXX Bankruptcy and accounts. 
My credit report is still reporting XXXX XXXX  XXXX, XXXX, Bankruptcy, XXXX, XXXX XXXX, and Inquiries that are not mine. 
Please see attached FTC Identity Theft Report. 
This has caused me tremendous anxiety, stress, and financial hardship.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Please correct this immediately. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$4200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-04-25
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair credit report act XXXX XXXX has violated my rights regarding a hard credit inquiry posted on my Credit Report XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (PA)

I first closed my account in early 2021 in which they sent me a check for the funds that were in there. The check was for higher amount that most online banks wont take sothe check expired. I have sent the bank my drivers license, social security and a copy of the original check but they still refuse to give me a replacement. That should be more than enough to verify my identity and that the original check was never cashed but i still dont have a replacement
Consumer complaint received 2022-09-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (IL)

I got a buy out quote around XXXX & paid off my lease XX/XX/22. Kia requested an odometer form which I submitted. A week after they requested a tax form that they would mail. I signed it & submitted it XX/XX/22. I called & they said everything was received around XX/XX/22 & in their system. I called again in XXXX & they said they didn't have the odometer statement, I said I submitted it online, & then they found it. I called early XXXX and they told me their title department is short staffed & I'm one of many waiting for my title. They offered to escalate the situation. I called again in XXXX & they told me the system showed everything was received & it waiting to be reviewed/processed. I was told the same again the next time I called. After this every time I called I asked to speak with a supervisor. They would say they can't find my tax form but in the system it says it was received, being reviewed & their title department is short staffed. Online it states once you send in your buyout quote, complete odometer & tax form it takes 20 business days. By XXXX I was frustrated and seeking answers, no one could give them. I asked about compensation for the delay as my husband died in XXXX, I'm a single mom of XXXX kids and need to sell the car they are holding the title hostage. By XXXX I am only speaking to supervisors which take my number & say they call with an update in a week & never do. Finally XXXX one supervisor asked if I had a copy of the tax form I had submitted & I did. She asked that I email it to them. On XX/XX/22 someone calls saying i put the wrong VIN # on the tax document. I told them I did not fill out the tax document, Kia finance completed & mailed to me, & said a supervisor would call me. No one did so I called & when they issued a corrected form it had the wrong VIN again so they submitted to a department to fix. I have received no call back, no compensation, & no title. All delays and errors have been made by Kia & I've lost thousands of dollars.
Consumer complaint received 2021-10-28
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. (OK)

I AM XXXX AND HAVE DIFFICULTY NAVIGATING WEBSITES AND COMMUNICATING VERBALLY OVER THE TELEPHONE. THIS DEBT WAS INCURRED WHEN I WAS IN AN XXXX XXXX AND ESCAPED. I DID NOT REALIZE HE HAD NOT PAID THE BILLS THAT WERE IN MY NAME. AFTER I LEFT, I CONTRACTED XXXX AND LOST MY JOB. AS SOON AS I WAS ABLE TO WORK AGAIN, I IMMEDIATELY PAID MY PAST DUE AMOUNT IN FULL TO XXXX XXXX XXXX, ONCE I LEARNED IT WAS UNPAID. I CAN FURNISH THE REDEEMED CHECK FOR THE FULL AMOUNT DUE. WHEN I CONTACTED XXXX XXXX XXXX, THEY TOLD ME THE RECORD WOULD BE DELETED ENTIRELY ONCE I PAID MY BALANCE IN FULL, WHICH I DID. NOW, EVEN THOUGH I HAVE PAID THE BALANCE IN FULL, THEY REFUSE TO MARK TO DELETE IT AS PROMISED, AND EVEN REFUSE TO MARK THE ACCOUNT AS PAID, KEEPING IT OPEN FAR BEYOND REPAYMENT. THEY LIED ABOUT DELETING AND THEY ARE LYING ABOUT THE PAYMENT STATUS. I APPEALED TO EQUIFAX AND WAS DENIED. I DEMAND EXPLANATION HOW I CAN HAVE PAID EVERYTHING OFF ENTIRELY AND STILL BE IN UNPAID STATUS. I AM WILLING TO PROVIDE COPIES OF A CURRENT PROTECTIVE ORDER AND MEDICAL RECORDS AFFIRMING MY DIAGNOSES OF XXXX AND XXXX. IF YOU HAVE ANY QUESTIONS OR WOULD LIKE THE MENTIONED DOCUMENTS, YOU MAY MAKE CONTACT BY ANY METHOD YOU WOULD LIKE AND LEAVE A DETAILED MESSAGE, AND MY COUSIN WILL HELP ME RESPOND TO YOU APPROPRIATELY. THANK YOU FOR YOUR TIME AND KINDNESS. I HAVE ALREADY CONTACTED THE COLLECTIONS AGENCY, XXXX XXXX WITHOUT ANY RESPONSE WHATSOEVER. EVERY OTHER UTILITY INVOLVED HAS SO FAR DELETED THEIR RECORD, AND I BEGGED THEM TO DO THE SAME. THANK YOU AGAIN FOR YOUR KINDNESS AND MERCY IN ADVANCE. WHILE I CAN NOT PROVIDE PROOF THEY PROMISED DELETION, I DEMAND THEY PROVIDE A REASON WHY THIS SHOULD STILL BE LISTED AS UNPAID WITH A {$0.00} BALANCE. I VIEW THIS AS AN ATTEMPT TO EXPLOIT MY XXXX AND I WOULD LIKE TO KNOW HOW I CAN ATTAIN JUSTICE FOR THIS. WHEN I TALKED TO THEM ON THE PHONE THEY SAID THEY RECORDED IT, SO THEY SHOULD BE ABLE TO PRODUCE THE RECORDING AND PROVE THEY DIDN'T PROMISE TO DELETE THIS.
Consumer complaint received 2022-09-11
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: Mr. Cooper Group Inc. (FL)

Mr. Cooper has sent confusing and incorrect statements and registered me late when I have paid my bill on time. Sending proof. There are several class actions suits against this company including NationStar with too many addresses to communicate with ( 7 ) and email address ( 3 ). We have emailed, uploaded, called, and even retained an attorney but they continue to send misinformation and report us late. I have NEVER been late on a mortgage on any of my homes and I am XXXX years old. 
I have proof of THREE coupons within 30 days with THREE different amounts requested from Mr Cooper. 
I have proof of the letter they sent saying NOTHING with my payment/mortgage would change and to pay {$1300.00} which I did- but they registered that late even though their website was not working XXXX XXXX. 
I told them I PAID insurance and taxes ( and again uploaded and emailed receipts ) and want out of escrow due to their continued confusion and they said no because I was late in my first payment which I wasn't. I am attaching proof of payment, and their confusing correspondence. My credit needs repaired/corrected IMMEDIATELY as it has dropped from XXXX XXXX XXXX due to their mis-management of my account. 
The letter that they sent to you responding to this complaint is again inaccurate on many issues, Please report them and fix this.
Consumer complaint received 2022-09-11
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: BARCLAYS BANK DELAWARE (MN)

On XXXX I purchased jewelry from XXXX for {$700.00} that I never received. I have tried numerous times to contact the merchant but was unsuccessful. To this day I have never received my product, or a tracking number at all. I have mailed my dispute and faxed it to barclays dispute address yet i have never received any form of communication. I need barclays to initite a chargeback and return my hard earned funds of {$700.00} to my account. 

On XXXX I was charged {$730.00} by the same merchant and i never received any item. Barclays has denied my dispute and decided in the merchants favor yet this is unacceptable!! Barclays has not yet had adequate proof that i received my items. no tracking number or anything! i am requesting barclays to initiate a chargeback of {$730.00} back to my account. If my dispute does not go in my favor yet again I will be forced to sue for arbitration/litigation.