davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-12
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: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). Listing these items as information without verifying them within the legally mandated time frame is unacceptable. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 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 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 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 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 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 XXXX XXXX XXXX
Consumer complaint received 2020-09-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

In XXXX of this year 2020 I filed disputes with Equifax, XXXX  and XXXX  I yet to receive anything from them on this matter. I understand that with covid19 going things have slow down but 4 month later is not acceptable. There should be no reason why I havent got a reply from any of three bureaus.
Consumer complaint received 2016-01-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

I am filing a dispute because I can not add to my previous dispute. I sent in all documentation for loan mod. I was then requested to send in additional documentation with letter received on XXXX/XXXX/XXXX. I faxed on XXXX/XXXX/XXXX and did not receive any response that it had been received. I also called and left 2 voicemails for SPOC on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX stating I sent over documentation. I then refaxed on XXXX/XXXX/XXXX and I also sent overnight via XXXX to atten XXXX XXXX on XXXX/XXXX/XXXX. It was signed for the next morning. Yet on a letter dating XXXX/XXXX/XXXX from BSI/XXXX XXXX which was received XXXX/XXXX/XXXX It stated that they did not receive the XXXX documents requested. This is obviously untrue and I am attaching all documents proving that with the tracking info and fax confirmations. Again this is violating the laws of dual tracking in California. I have also requested numerous times by email, voicemails, faxes and mail to have XXXX set up a time for phone conversation because voicemail is all that I get. I have kept records and recorded all messages I have left with dates. Per lawyers request as well. I am tired of getting the run around on this. I have disputed random charges of XXXX they are claiming and the total amount that is due. Because between XXXX to them all I wanted and requested was to modify so I can make monthly payments or reasonable repayment plan. I can make payments my finances prove that but due to XXXX never contacting me after XXXX QWR ; s or sending me any monthly bill nothing has been done. I will not accept over charges but will pay my monthly bill. BSI took over the loan and that also means that the responsibility of correcting statements when I prove what is owed. I am also including all of the emails to set up online access and customer service that has never received a response since XX/XX/XXXX. I am also including the only monthly statement I have received from BSI which has no information on it. These are all proof of violations that I have copies of. The XXXX subsequent words ) was ignored because we limit queries to XXXX words. 

















Did you mean : Some common violations of the XXXX include : ( a ) dual tracking, XXXX b ) robo signing, ( c XXXX failure to acknowledge receipt of loan modification documents within 5 days, and ( d ) failure to appoint a single point of contact for loss mitigation efforts. In our opinion, these are all " material '' violations I can make monthly payments and I am not asking to modify to pay less than my monthly payment. I do not agree with total BSI states is in arrears and have mailed in writing that fact. I want the arrears to be modified or put into a reasonable repayment plan. House is still underwater 9 years later and I have kept it going entire time and do not plan on leaving house. There have been XXXX houses same model not selling in over a year either in neighborhood.
Consumer complaint received 2022-06-16
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. (MS)

I have tried to fix this issue with both Michigan and Experian and I can not get any information I need. I finally hired an attorney and he told me to make sure I did a CFPB complaint and to make sure that Experian receives this PDF that I submitted her and also mailed. 
We intend to take this into court
Consumer complaint received 2024-03-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (IL)

Someone had texted me Monday the XXXX about a job. They said that I will have an interview on the XXXX app at XXXX. During non virtual interview process I was told I was the best candidate and I was hired for XXXX XXXX XXXX  The next morning the scammer sent me an acceptance letter for the pXXXX XXXX XXXX I was then told that I will receive a XXXX check for my working materials such laptop, printer.scanner. I thought okay I found a remote job. I was told to go to a printing store and print the check and take a picture of front and back before deposit it in my account. So I thought okay. I was told to wait for the next day. The next I was told to send XXXX to someone name XXXX. I thought that was strange. I asked why am I sending money to this person and he said it is for your supplies. He then told me to send {$980.00} to someone named XXXX. He then changed it up by saying send XXXX. I tried to send money but the bank stopped the XXXX instead sent him {$500.00}. This is where I got suspicious and said I am not comfortable doing this. I called XXXX at that time I sent the {$500.00}. I had told them what was going on. They said it could be a fraud. I ask them to stop the check for XXXX and the XXXX Zelle payments sent. XXXX tells me that they are going to investigate it. Today I called XXXX about the status and they said they can not do anything about the Zelle payment made to the scammers but they reverse the check out my account and left me still paying the Zelle payment of XXXX. Which has my account with-XXXX have proof of the conversation with the scammers and I have a email of the acceptance letter as well. I have proof that this was a scam. It was a fake company
Consumer complaint received 2024-03-09
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SinglePoint GI (CT)

General Revenue Corp not only contacted me multiple times a day, but they found a way to get my mother 's contact info and called her. I never provided them with anybody else 's contact info and they didn't have permission from me to contact anybody else about my debt. They said I owe {$2300.00}, the debt is owed to XXXX XXXX. When I asked the General Revenue Corp representative about sending me emailed or paper mailed copies of everything he told me that he could do that. He asked me when or of I could pay the debt, and I told him that I was out of work due to medical issues and unable to work at this time. I told him that I didn't have any income coming in ( at the time I did not have any income at all ) and that I don't have any friends or family who could afford to help me either. I asked him again if he could send me the information on the debt I owed and he still refused. I asked him if they could contact me via email rather than blowing up my phone with multiple calls a day, and he said he couldn't do that either, that someone would keep calling me. When I asked if there was another representative I could talk to in regards to getting my debt information sent to me, he refused and ended the call.
Consumer complaint received 2022-06-16
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, XXXX # XXXX, 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 a account without my written instructions
Consumer complaint received 2024-03-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC (MO)

First Source Advantage contacted me and told me that I could not stop their phone calls. They demanded large amounts of money upfront. They lied to me about being able to negotiate the debt, as they then mailed me settlement offers.

They never mailed me any information that would verify owing them money, nor did they verify my payments, but they have taken money.
Consumer complaint received 2024-03-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (OH)

I have an account in collections that is not mine. 
It is through sunrise credit services and originated from at XXXX XXXX. It was opened on XX/XX/2023 and is the amount of {$1200.00}. This was at an address I have never lived at
Consumer complaint received 2024-03-09
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc. (IA)

On XX/XX/XXXX I applied for the hardship program when it came to my XXXX credit card because the store had went bankrupt and closed down and the pandemic was going on I was told by the lady I spoke with that I could agree to pay {$10.00} a month from XX/XX/XXXX of XXXX to XX/XX/XXXX of XXXX then my card would be paid off instead I was told then I contacted the company and spoke with XXXX and a XXXX that I still had to pay even though I completed the program I explained to them that I was not told that by the representative that set me up on the program. On XX/XX/XXXX I received another letter from them of congratulations for completing the program I paid a total of {$220.00} to them when I only owed XXXX I then told them that their company says on the recording that the call may be recorded or monitored for quality assurance and that they should be able to go back and pull the call to hear the conversation and what the representative told me to prove I am not lying they then turned around and sent me a refund check a year or so ago and they said I owed them {$11.00} or so which I sent now they are hounding me again for more money when I was told by the representative how the program worked. I want them to get this resolved if I have to go to court I will
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. (FL)

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. 

Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 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 seven 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 2022-06-16
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. (GA)

I have never been late on the following accounts. Mark the following accounts as paid as agreed or delete the account. After I had a chance to review 15 USC 1681a ( 2 ) ( i ) I noticed transactions and experiences should not be on my consumer report at all. That means late payments should not be on my consumer report either way. Mark the following accounts as PAID AS AGREED or Delete from my consumer report. : DEPARTMENT OF ED/ XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX
Consumer complaint received 2022-06-16
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. (GA)

I have never been late on the following accounts. Mark the following accounts as paid as agreed or delete the account. After I had a chance to review 15 USC 1681a ( 2 ) ( i ) I noticed transactions and experiences should not be on my consumer report at all. That means late payments should not be on my consumer report either way. Mark the following accounts as PAID AS AGREED or Delete from my consumer report. : DEPARTMENT OF EDXXXX XXXX Account # XXXX, XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX
Consumer complaint received 2024-03-09
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (IN)

I contacted Southwest Credit System on XX/XX/XXXX regarding a collection that had a date of XXXX  delinquency on XX/XX/XXXX, totaling {$600.00}. The representative, whose name I can not recall, displayed unprofessional behavior characterized by rudeness, aggression, and an overall unpleasant demeanor. Her tone of voice was notably hostile. Throughout our conversation, she persistently pressured me to acknowledge a {$200.00} debt that I had no knowledge of, despite failing to provide any supporting validation. Additionally, she repeatedly emphasized that this debt would be reported on my credit, seemingly attempting to damage both my credit and my character. Few days later the debt was on my report severely damaging my score. The relentless insistence made me feel harassed and concerned. Fearing further mistreatment, I felt compelled to abruptly cease and desist the conversation immediately.
Consumer complaint received 2024-03-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NC)

Im a long time card holder of Discover Card for the last XXXX  years. I have had no glitches related to making payments and receiving accurate statements in the past. 

I recently reviewed my account and noticed a XXXX day past due which affected my credit score. The account is up to date, and the assumption I was late is inaccurate. Im requesting a good faith measure from Discovery card to remove the XXXX day past due from all major 3 reporting credit card agencies.

***The portal is inaccurate and not showing an accurate balance based on payment received based on my personal transactions.
Consumer complaint received 2022-06-16
Product: Vehicle loan or lease — Loan
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 (TX)

I paid off my 72 month loan on my XXXX XXXX XXXX. I requested my title back in XX/XX/XXXX. Kia Motor Finance claims that it was sent, however, I never received it. I am trying to trade my car in and Kia Is giving me the run around and wont provide me the title.
Consumer complaint received 2023-04-03
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. (CA)

They still current show a charged off balance from a lowes purchase and I have since paid it off. Since the are violating the FCRA I will be suing them in small claims court for discrimination against an XXXX as they wont give me a another loan as it shows I have a Available limit up to {$300.00} to use and it wont allow me to use it.
Consumer complaint received 2021-11-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BMW Financial Services NA, LLC (CA)

In or around XX/XX/XXXX, I purchased a XXXX  XXXX XXXX from XXXX XXXX XXXX XXXX During this consumer credit transaction, I was advised that I needed to put down {$2000.00} cash along with the trade-in of my XXXX XXXX XXXX XXXX The contract I signed only had my signature on it. I was not advised of my rights to rescind the transaction. 

My consumer rights have been violated several times over by XXXX XXXX and BMW Financial.

When I previously tried resolving the matter with BMW Financial, they spouted off statements about fraudulent debt elimination schemes. They even threatened to ignore my future requests although they failed to provide ALL documentary evidence as requested pursuant to 15 USC 44.
Consumer complaint received 2022-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

My loan was transferred from XXXX XXXX ( servicer for transfer BSI Financial ) to XXXX ( XXXX  payment hub for XXXX ). XXXX XXXX  never made me aware of the transfer. XXXX XXXX said they sold the loan on XX/XX/XXXX but I was not made aware until I received two XX/XX/XXXX statements, one from XXXX XXXX and XXXX. Not only that, I have a statement from XXXX XXXX for XX/XX/XXXX which I paid on XX/XX/XXXX for {$1500.00}. If XXXX XXXX had sold my loan on XX/XX/XXXX why did I get a statement for XXXX and XXXX. XXXX sent me letters of delinquent payment but I was not aware that my loan had been sold, the fact that I had a statement from XXXX XXXX for XXXX and XXXX. I have been in daily contact with XXXX XXXX and XXXX since XX/XX/XXXX when I discovered the issue. The inability for these two companies to process the transfer is astounding. Now it is past the 60 day protection and things still haven't been resolved.
Consumer complaint received 2021-11-29
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)

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 Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove the incorrect account below from my personal credit file : ERC XXXX
Consumer complaint received 2022-06-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :